LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,654
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,945
−HK$2,327/mo
Today · 4.125%
HK$78,272
baseline
▲ 0.50% · 4.625%
HK$83,035
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,544/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,939
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,137
−HK$2,229/mo
Today · 4.125%
HK$86,366
baseline
▲ 0.50% · 4.625%
HK$90,918
+HK$4,552/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,732/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,385
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,134
−HK$2,793/mo
Today · 4.125%
HK$93,927
baseline
▲ 0.50% · 4.625%
HK$99,642
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,854/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,327
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,964
−HK$2,675/mo
Today · 4.125%
HK$103,639
baseline
▲ 0.50% · 4.625%
HK$109,102
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,278/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,115
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,323
−HK$3,258/mo
Today · 4.125%
HK$109,581
baseline
▲ 0.50% · 4.625%
HK$116,249
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,162/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,715
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,791
−HK$3,121/mo
Today · 4.125%
HK$120,912
baseline
▲ 0.50% · 4.625%
HK$127,286
+HK$6,374/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,824/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,577
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$136,701
−HK$4,189/mo
Today · 4.125%
HK$140,890
baseline
▲ 0.50% · 4.625%
HK$149,463
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,780/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,490
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,446
−HK$4,013/mo
Today · 4.125%
HK$155,459
baseline
▲ 0.50% · 4.625%
HK$163,653
+HK$8,194/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,918/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,778 · Scale 2, in force from 26 Feb 2026)