LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,712
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,005
−HK$2,329/mo
Today · 4.125%
HK$78,334
baseline
▲ 0.50% · 4.625%
HK$83,101
+HK$4,767/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,668/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,004
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,203
−HK$2,231/mo
Today · 4.125%
HK$86,434
baseline
▲ 0.50% · 4.625%
HK$90,990
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,868/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,454
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,206
−HK$2,795/mo
Today · 4.125%
HK$94,001
baseline
▲ 0.50% · 4.625%
HK$99,721
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,002/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,404
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,044
−HK$2,677/mo
Today · 4.125%
HK$103,721
baseline
▲ 0.50% · 4.625%
HK$109,188
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,442/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,197
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,407
−HK$3,261/mo
Today · 4.125%
HK$109,668
baseline
▲ 0.50% · 4.625%
HK$116,341
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,336/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,805
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,884
−HK$3,124/mo
Today · 4.125%
HK$121,008
baseline
▲ 0.50% · 4.625%
HK$127,386
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,016/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,681
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,808
−HK$4,194/mo
Today · 4.125%
HK$141,002
baseline
▲ 0.50% · 4.625%
HK$149,581
+HK$8,579/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$282,004/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,607
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$151,565
−HK$4,016/mo
Today · 4.125%
HK$155,581
baseline
▲ 0.50% · 4.625%
HK$163,782
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,162/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,860 · Scale 2, in force from 26 Feb 2026)