LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,662
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,953
−HK$2,328/mo
Today · 4.125%
HK$78,281
baseline
▲ 0.50% · 4.625%
HK$83,045
+HK$4,764/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,562/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,948
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,146
−HK$2,230/mo
Today · 4.125%
HK$86,376
baseline
▲ 0.50% · 4.625%
HK$90,929
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,752/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,395
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,144
−HK$2,794/mo
Today · 4.125%
HK$93,938
baseline
▲ 0.50% · 4.625%
HK$99,654
+HK$5,716/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,876/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,338
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,975
−HK$2,676/mo
Today · 4.125%
HK$103,651
baseline
▲ 0.50% · 4.625%
HK$109,115
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,302/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,127
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,335
−HK$3,259/mo
Today · 4.125%
HK$109,594
baseline
▲ 0.50% · 4.625%
HK$116,263
+HK$6,669/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,188/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,728
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,805
−HK$3,121/mo
Today · 4.125%
HK$120,926
baseline
▲ 0.50% · 4.625%
HK$127,300
+HK$6,374/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,852/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,592
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$136,716
−HK$4,191/mo
Today · 4.125%
HK$140,907
baseline
▲ 0.50% · 4.625%
HK$149,480
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,814/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,507
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,463
−HK$4,013/mo
Today · 4.125%
HK$155,476
baseline
▲ 0.50% · 4.625%
HK$163,672
+HK$8,196/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,952/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,934 · Scale 2, in force from 26 Feb 2026)