LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,683
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,975
−HK$2,329/mo
Today · 4.125%
HK$78,304
baseline
▲ 0.50% · 4.625%
HK$83,069
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,608/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,972
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,170
−HK$2,231/mo
Today · 4.125%
HK$86,401
baseline
▲ 0.50% · 4.625%
HK$90,955
+HK$4,554/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,802/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,420
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,170
−HK$2,795/mo
Today · 4.125%
HK$93,965
baseline
▲ 0.50% · 4.625%
HK$99,682
+HK$5,717/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,930/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,366
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,005
−HK$2,676/mo
Today · 4.125%
HK$103,681
baseline
▲ 0.50% · 4.625%
HK$109,146
+HK$5,465/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,362/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,157
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,365
−HK$3,261/mo
Today · 4.125%
HK$109,626
baseline
▲ 0.50% · 4.625%
HK$116,296
+HK$6,670/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,252/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,761
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,839
−HK$3,122/mo
Today · 4.125%
HK$120,961
baseline
▲ 0.50% · 4.625%
HK$127,337
+HK$6,376/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,922/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,630
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,756
−HK$4,191/mo
Today · 4.125%
HK$140,947
baseline
▲ 0.50% · 4.625%
HK$149,523
+HK$8,576/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,894/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,550
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,507
−HK$4,014/mo
Today · 4.125%
HK$155,521
baseline
▲ 0.50% · 4.625%
HK$163,719
+HK$8,198/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,042/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,330 · Scale 2, in force from 26 Feb 2026)