LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,687
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,979
−HK$2,329/mo
Today · 4.125%
HK$78,308
baseline
▲ 0.50% · 4.625%
HK$83,073
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,616/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,976
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,175
−HK$2,230/mo
Today · 4.125%
HK$86,405
baseline
▲ 0.50% · 4.625%
HK$90,960
+HK$4,555/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,810/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,424
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,175
−HK$2,794/mo
Today · 4.125%
HK$93,969
baseline
▲ 0.50% · 4.625%
HK$99,687
+HK$5,718/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,938/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,371
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,010
−HK$2,676/mo
Today · 4.125%
HK$103,686
baseline
▲ 0.50% · 4.625%
HK$109,151
+HK$5,465/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,372/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,162
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,371
−HK$3,260/mo
Today · 4.125%
HK$109,631
baseline
▲ 0.50% · 4.625%
HK$116,302
+HK$6,671/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,262/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,767
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,845
−HK$3,122/mo
Today · 4.125%
HK$120,967
baseline
▲ 0.50% · 4.625%
HK$127,343
+HK$6,376/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,934/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,637
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,762
−HK$4,192/mo
Today · 4.125%
HK$140,954
baseline
▲ 0.50% · 4.625%
HK$149,531
+HK$8,577/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,908/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,557
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,514
−HK$4,015/mo
Today · 4.125%
HK$155,529
baseline
▲ 0.50% · 4.625%
HK$163,727
+HK$8,198/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,058/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,398 · Scale 2, in force from 26 Feb 2026)