LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,658
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,949
−HK$2,328/mo
Today · 4.125%
HK$78,277
baseline
▲ 0.50% · 4.625%
HK$83,040
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,554/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,944
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,142
−HK$2,229/mo
Today · 4.125%
HK$86,371
baseline
▲ 0.50% · 4.625%
HK$90,924
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,742/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,390
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,139
−HK$2,794/mo
Today · 4.125%
HK$93,933
baseline
▲ 0.50% · 4.625%
HK$99,648
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,866/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,333
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,970
−HK$2,675/mo
Today · 4.125%
HK$103,645
baseline
▲ 0.50% · 4.625%
HK$109,109
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,290/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,121
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,329
−HK$3,259/mo
Today · 4.125%
HK$109,588
baseline
▲ 0.50% · 4.625%
HK$116,256
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,176/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,721
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,798
−HK$3,121/mo
Today · 4.125%
HK$120,919
baseline
▲ 0.50% · 4.625%
HK$127,293
+HK$6,374/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,838/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,585
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,709
−HK$4,190/mo
Today · 4.125%
HK$140,899
baseline
▲ 0.50% · 4.625%
HK$149,472
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,798/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,499
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,455
−HK$4,013/mo
Today · 4.125%
HK$155,468
baseline
▲ 0.50% · 4.625%
HK$163,663
+HK$8,195/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,936/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,859 · Scale 2, in force from 26 Feb 2026)