LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,700
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,992
−HK$2,330/mo
Today · 4.125%
HK$78,322
baseline
▲ 0.50% · 4.625%
HK$83,087
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,644/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,990
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,189
−HK$2,231/mo
Today · 4.125%
HK$86,420
baseline
▲ 0.50% · 4.625%
HK$90,975
+HK$4,555/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,840/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,440
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,191
−HK$2,795/mo
Today · 4.125%
HK$93,986
baseline
▲ 0.50% · 4.625%
HK$99,705
+HK$5,719/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,972/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,388
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,027
−HK$2,677/mo
Today · 4.125%
HK$103,704
baseline
▲ 0.50% · 4.625%
HK$109,170
+HK$5,466/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,408/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,180
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,389
−HK$3,261/mo
Today · 4.125%
HK$109,650
baseline
▲ 0.50% · 4.625%
HK$116,322
+HK$6,672/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$219,300/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,787
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,865
−HK$3,123/mo
Today · 4.125%
HK$120,988
baseline
▲ 0.50% · 4.625%
HK$127,366
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$241,976/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,660
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,786
−HK$4,193/mo
Today · 4.125%
HK$140,979
baseline
▲ 0.50% · 4.625%
HK$149,557
+HK$8,578/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$281,958/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,583
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,541
−HK$4,015/mo
Today · 4.125%
HK$155,556
baseline
▲ 0.50% · 4.625%
HK$163,756
+HK$8,200/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,112/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,638 · Scale 2, in force from 26 Feb 2026)