LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,664
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,955
−HK$2,328/mo
Today · 4.125%
HK$78,283
baseline
▲ 0.50% · 4.625%
HK$83,047
+HK$4,764/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,566/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,950
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,148
−HK$2,230/mo
Today · 4.125%
HK$86,378
baseline
▲ 0.50% · 4.625%
HK$90,931
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,756/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,397
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,146
−HK$2,794/mo
Today · 4.125%
HK$93,940
baseline
▲ 0.50% · 4.625%
HK$99,656
+HK$5,716/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,880/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,341
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,978
−HK$2,676/mo
Today · 4.125%
HK$103,654
baseline
▲ 0.50% · 4.625%
HK$109,117
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,308/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,130
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,338
−HK$3,259/mo
Today · 4.125%
HK$109,597
baseline
▲ 0.50% · 4.625%
HK$116,265
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,194/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,731
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,808
−HK$3,121/mo
Today · 4.125%
HK$120,929
baseline
▲ 0.50% · 4.625%
HK$127,304
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,858/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,595
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$136,720
−HK$4,190/mo
Today · 4.125%
HK$140,910
baseline
▲ 0.50% · 4.625%
HK$149,484
+HK$8,574/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,820/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,511
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,467
−HK$4,013/mo
Today · 4.125%
HK$155,480
baseline
▲ 0.50% · 4.625%
HK$163,676
+HK$8,196/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,960/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,969 · Scale 2, in force from 26 Feb 2026)