LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,673
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,965
−HK$2,328/mo
Today · 4.125%
HK$78,293
baseline
▲ 0.50% · 4.625%
HK$83,057
+HK$4,764/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,586/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,960
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,158
−HK$2,230/mo
Today · 4.125%
HK$86,388
baseline
▲ 0.50% · 4.625%
HK$90,942
+HK$4,554/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,776/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,407
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,157
−HK$2,794/mo
Today · 4.125%
HK$93,951
baseline
▲ 0.50% · 4.625%
HK$99,668
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$187,902/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,352
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,990
−HK$2,676/mo
Today · 4.125%
HK$103,666
baseline
▲ 0.50% · 4.625%
HK$109,130
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$207,332/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,142
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,350
−HK$3,260/mo
Today · 4.125%
HK$109,610
baseline
▲ 0.50% · 4.625%
HK$116,279
+HK$6,669/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,220/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,744
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,822
−HK$3,122/mo
Today · 4.125%
HK$120,944
baseline
▲ 0.50% · 4.625%
HK$127,319
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,888/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,611
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,736
−HK$4,191/mo
Today · 4.125%
HK$140,927
baseline
▲ 0.50% · 4.625%
HK$149,502
+HK$8,575/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,854/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,529
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$151,485
−HK$4,014/mo
Today · 4.125%
HK$155,499
baseline
▲ 0.50% · 4.625%
HK$163,696
+HK$8,197/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$310,998/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,134 · Scale 2, in force from 26 Feb 2026)