LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,677
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,969
−HK$2,329/mo
Today · 4.125%
HK$78,298
baseline
▲ 0.50% · 4.625%
HK$83,062
+HK$4,764/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,596/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,965
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,164
−HK$2,230/mo
Today · 4.125%
HK$86,394
baseline
▲ 0.50% · 4.625%
HK$90,948
+HK$4,554/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,788/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,413
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,163
−HK$2,794/mo
Today · 4.125%
HK$93,957
baseline
▲ 0.50% · 4.625%
HK$99,674
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$187,914/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,359
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,996
−HK$2,677/mo
Today · 4.125%
HK$103,673
baseline
▲ 0.50% · 4.625%
HK$109,137
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$207,346/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,148
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,357
−HK$3,260/mo
Today · 4.125%
HK$109,617
baseline
▲ 0.50% · 4.625%
HK$116,287
+HK$6,670/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,234/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,752
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,829
−HK$3,122/mo
Today · 4.125%
HK$120,951
baseline
▲ 0.50% · 4.625%
HK$127,327
+HK$6,376/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,902/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,619
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,745
−HK$4,191/mo
Today · 4.125%
HK$140,936
baseline
▲ 0.50% · 4.625%
HK$149,511
+HK$8,575/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,872/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,538
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,495
−HK$4,014/mo
Today · 4.125%
HK$155,509
baseline
▲ 0.50% · 4.625%
HK$163,706
+HK$8,197/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,018/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,219 · Scale 2, in force from 26 Feb 2026)