LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,669
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,961
−HK$2,328/mo
Today · 4.125%
HK$78,289
baseline
▲ 0.50% · 4.625%
HK$83,052
+HK$4,763/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,578/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,956
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,154
−HK$2,230/mo
Today · 4.125%
HK$86,384
baseline
▲ 0.50% · 4.625%
HK$90,937
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,768/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,403
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,153
−HK$2,793/mo
Today · 4.125%
HK$93,946
baseline
▲ 0.50% · 4.625%
HK$99,663
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,892/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,347
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,985
−HK$2,676/mo
Today · 4.125%
HK$103,661
baseline
▲ 0.50% · 4.625%
HK$109,125
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,322/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,137
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,345
−HK$3,259/mo
Today · 4.125%
HK$109,604
baseline
▲ 0.50% · 4.625%
HK$116,273
+HK$6,669/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,208/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,738
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,816
−HK$3,121/mo
Today · 4.125%
HK$120,937
baseline
▲ 0.50% · 4.625%
HK$127,312
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,874/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,604
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,729
−HK$4,191/mo
Today · 4.125%
HK$140,920
baseline
▲ 0.50% · 4.625%
HK$149,494
+HK$8,574/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,840/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,521
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$151,477
−HK$4,014/mo
Today · 4.125%
HK$155,491
baseline
▲ 0.50% · 4.625%
HK$163,687
+HK$8,196/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$310,982/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,063 · Scale 2, in force from 26 Feb 2026)