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$1,372,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,943
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,141
−HK$2,229/mo
Today · 4.125%
HK$86,370
baseline
▲ 0.50% · 4.625%
HK$90,923
+HK$4,553/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$1,372,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,389
−HK$5,542/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$1,372,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,332
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,969
−HK$2,675/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$1,372,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,120
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,328
−HK$3,259/mo
Today · 4.125%
HK$109,587
baseline
▲ 0.50% · 4.625%
HK$116,255
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,174/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,720
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,797
−HK$3,121/mo
Today · 4.125%
HK$120,918
baseline
▲ 0.50% · 4.625%
HK$127,292
+HK$6,374/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$1,372,843 · 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$1,372,843 · 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$163,661
+HK$8,195/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$1,372,843 · Scale 2, in force from 26 Feb 2026)