LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,680
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,972
−HK$2,328/mo
Today · 4.125%
HK$78,300
baseline
▲ 0.50% · 4.625%
HK$83,065
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,600/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,968
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,167
−HK$2,230/mo
Today · 4.125%
HK$86,397
baseline
▲ 0.50% · 4.625%
HK$90,951
+HK$4,554/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,794/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,416
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,166
−HK$2,794/mo
Today · 4.125%
HK$93,960
baseline
▲ 0.50% · 4.625%
HK$99,678
+HK$5,718/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$187,920/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,362
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$101,000
−HK$2,676/mo
Today · 4.125%
HK$103,676
baseline
▲ 0.50% · 4.625%
HK$109,141
+HK$5,465/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$207,352/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,152
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,360
−HK$3,260/mo
Today · 4.125%
HK$109,620
baseline
▲ 0.50% · 4.625%
HK$116,291
+HK$6,671/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,240/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,755
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,833
−HK$3,122/mo
Today · 4.125%
HK$120,955
baseline
▲ 0.50% · 4.625%
HK$127,331
+HK$6,376/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,910/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,624
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,749
−HK$4,192/mo
Today · 4.125%
HK$140,941
baseline
▲ 0.50% · 4.625%
HK$149,516
+HK$8,575/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,882/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,543
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,500
−HK$4,014/mo
Today · 4.125%
HK$155,514
baseline
▲ 0.50% · 4.625%
HK$163,711
+HK$8,197/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,028/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,265 · Scale 2, in force from 26 Feb 2026)