LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,659
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,950
−HK$2,328/mo
Today · 4.125%
HK$78,278
baseline
▲ 0.50% · 4.625%
HK$83,041
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,556/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,944
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,142
−HK$2,230/mo
Today · 4.125%
HK$86,372
baseline
▲ 0.50% · 4.625%
HK$90,924
+HK$4,552/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,744/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,390
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,140
−HK$2,793/mo
Today · 4.125%
HK$93,933
baseline
▲ 0.50% · 4.625%
HK$99,649
+HK$5,716/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$1,372,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,333
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,971
−HK$2,675/mo
Today · 4.125%
HK$103,646
baseline
▲ 0.50% · 4.625%
HK$109,109
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,292/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,122
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,330
−HK$3,259/mo
Today · 4.125%
HK$109,589
baseline
▲ 0.50% · 4.625%
HK$116,257
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,178/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,722
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,799
−HK$3,121/mo
Today · 4.125%
HK$120,920
baseline
▲ 0.50% · 4.625%
HK$127,294
+HK$6,374/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,840/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,586
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,710
−HK$4,190/mo
Today · 4.125%
HK$140,900
baseline
▲ 0.50% · 4.625%
HK$149,473
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,800/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,500
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,456
−HK$4,013/mo
Today · 4.125%
HK$155,469
baseline
▲ 0.50% · 4.625%
HK$163,664
+HK$8,195/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,938/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,869 · Scale 2, in force from 26 Feb 2026)