LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,675
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,967
−HK$2,328/mo
Today · 4.125%
HK$78,295
baseline
▲ 0.50% · 4.625%
HK$83,059
+HK$4,764/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,590/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,963
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,161
−HK$2,230/mo
Today · 4.125%
HK$86,391
baseline
▲ 0.50% · 4.625%
HK$90,945
+HK$4,554/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,782/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,410
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,160
−HK$2,794/mo
Today · 4.125%
HK$93,954
baseline
▲ 0.50% · 4.625%
HK$99,671
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$187,908/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,355
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,993
−HK$2,676/mo
Today · 4.125%
HK$103,669
baseline
▲ 0.50% · 4.625%
HK$109,133
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$207,338/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,145
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,353
−HK$3,260/mo
Today · 4.125%
HK$109,613
baseline
▲ 0.50% · 4.625%
HK$116,283
+HK$6,670/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,226/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,748
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,825
−HK$3,122/mo
Today · 4.125%
HK$120,947
baseline
▲ 0.50% · 4.625%
HK$127,322
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,894/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,615
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,740
−HK$4,191/mo
Today · 4.125%
HK$140,931
baseline
▲ 0.50% · 4.625%
HK$149,506
+HK$8,575/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,862/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,533
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$151,489
−HK$4,014/mo
Today · 4.125%
HK$155,503
baseline
▲ 0.50% · 4.625%
HK$163,700
+HK$8,197/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,006/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,172 · Scale 2, in force from 26 Feb 2026)