LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,657
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,948
−HK$2,328/mo
Today · 4.125%
HK$78,276
baseline
▲ 0.50% · 4.625%
HK$83,039
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,552/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,943
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,140
−HK$2,230/mo
Today · 4.125%
HK$86,370
baseline
▲ 0.50% · 4.625%
HK$90,922
+HK$4,552/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,740/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,388
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,138
−HK$2,793/mo
Today · 4.125%
HK$93,931
baseline
▲ 0.50% · 4.625%
HK$99,647
+HK$5,716/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,862/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,331
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,968
−HK$2,676/mo
Today · 4.125%
HK$103,644
baseline
▲ 0.50% · 4.625%
HK$109,107
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,288/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,120
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,327
−HK$3,259/mo
Today · 4.125%
HK$109,586
baseline
▲ 0.50% · 4.625%
HK$116,254
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,172/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,720
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,796
−HK$3,122/mo
Today · 4.125%
HK$120,918
baseline
▲ 0.50% · 4.625%
HK$127,291
+HK$6,373/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,836/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,583
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,707
−HK$4,190/mo
Today · 4.125%
HK$140,897
baseline
▲ 0.50% · 4.625%
HK$149,470
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,794/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,497
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,453
−HK$4,013/mo
Today · 4.125%
HK$155,466
baseline
▲ 0.50% · 4.625%
HK$163,660
+HK$8,194/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,932/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,838 · Scale 2, in force from 26 Feb 2026)