LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,698
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,990
−HK$2,329/mo
Today · 4.125%
HK$78,319
baseline
▲ 0.50% · 4.625%
HK$83,085
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,638/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,988
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,187
−HK$2,230/mo
Today · 4.125%
HK$86,417
baseline
▲ 0.50% · 4.625%
HK$90,973
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,834/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,437
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,188
−HK$2,795/mo
Today · 4.125%
HK$93,983
baseline
▲ 0.50% · 4.625%
HK$99,702
+HK$5,719/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,966/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,385
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,024
−HK$2,677/mo
Today · 4.125%
HK$103,701
baseline
▲ 0.50% · 4.625%
HK$109,167
+HK$5,466/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,402/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,177
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,386
−HK$3,261/mo
Today · 4.125%
HK$109,647
baseline
▲ 0.50% · 4.625%
HK$116,319
+HK$6,672/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$219,294/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,783
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,861
−HK$3,123/mo
Today · 4.125%
HK$120,984
baseline
▲ 0.50% · 4.625%
HK$127,362
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$241,968/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,656
−HK$8,318/mo
▼ 0.25% · 3.875%
HK$136,782
−HK$4,192/mo
Today · 4.125%
HK$140,974
baseline
▲ 0.50% · 4.625%
HK$149,552
+HK$8,578/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$281,948/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,578
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,536
−HK$4,015/mo
Today · 4.125%
HK$155,551
baseline
▲ 0.50% · 4.625%
HK$163,751
+HK$8,200/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,102/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,596 · Scale 2, in force from 26 Feb 2026)