LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,675
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,967
−HK$2,329/mo
Today · 4.125%
HK$78,296
baseline
▲ 0.50% · 4.625%
HK$83,060
+HK$4,764/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,592/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,182 · 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$16.16M · loan HK$16.16M · min. income ≈ HK$172,782/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,411
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,161
−HK$2,794/mo
Today · 4.125%
HK$93,955
baseline
▲ 0.50% · 4.625%
HK$99,672
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$187,910/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,356
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,994
−HK$2,676/mo
Today · 4.125%
HK$103,670
baseline
▲ 0.50% · 4.625%
HK$109,134
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$207,340/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,146
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,354
−HK$3,260/mo
Today · 4.125%
HK$109,614
baseline
▲ 0.50% · 4.625%
HK$116,284
+HK$6,670/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,228/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,748
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,826
−HK$3,122/mo
Today · 4.125%
HK$120,948
baseline
▲ 0.50% · 4.625%
HK$127,323
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,896/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,616
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,741
−HK$4,191/mo
Today · 4.125%
HK$140,932
baseline
▲ 0.50% · 4.625%
HK$149,507
+HK$8,575/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,864/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,534
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,491
−HK$4,014/mo
Today · 4.125%
HK$155,505
baseline
▲ 0.50% · 4.625%
HK$163,701
+HK$8,196/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,010/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,182 · Scale 2, in force from 26 Feb 2026)