LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,666
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,957
−HK$2,328/mo
Today · 4.125%
HK$78,285
baseline
▲ 0.50% · 4.625%
HK$83,049
+HK$4,764/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,570/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,953
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,151
−HK$2,229/mo
Today · 4.125%
HK$86,380
baseline
▲ 0.50% · 4.625%
HK$90,933
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,760/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,399
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,149
−HK$2,793/mo
Today · 4.125%
HK$93,942
baseline
▲ 0.50% · 4.625%
HK$99,659
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,884/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,343
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,981
−HK$2,675/mo
Today · 4.125%
HK$103,656
baseline
▲ 0.50% · 4.625%
HK$109,120
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,312/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,132
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,340
−HK$3,260/mo
Today · 4.125%
HK$109,600
baseline
▲ 0.50% · 4.625%
HK$116,268
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,200/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,734
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,811
−HK$3,121/mo
Today · 4.125%
HK$120,932
baseline
▲ 0.50% · 4.625%
HK$127,307
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,864/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,599
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$136,723
−HK$4,191/mo
Today · 4.125%
HK$140,914
baseline
▲ 0.50% · 4.625%
HK$149,488
+HK$8,574/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,828/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,515
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,471
−HK$4,013/mo
Today · 4.125%
HK$155,484
baseline
▲ 0.50% · 4.625%
HK$163,680
+HK$8,196/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$310,968/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,004 · Scale 2, in force from 26 Feb 2026)