LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,712
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,005
−HK$2,330/mo
Today · 4.125%
HK$78,335
baseline
▲ 0.50% · 4.625%
HK$83,101
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,670/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,004
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,204
−HK$2,231/mo
Today · 4.125%
HK$86,435
baseline
▲ 0.50% · 4.625%
HK$90,991
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,870/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,455
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,206
−HK$2,796/mo
Today · 4.125%
HK$94,002
baseline
▲ 0.50% · 4.625%
HK$99,722
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,004/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,405
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,044
−HK$2,678/mo
Today · 4.125%
HK$103,722
baseline
▲ 0.50% · 4.625%
HK$109,189
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,444/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,197
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,407
−HK$3,262/mo
Today · 4.125%
HK$109,669
baseline
▲ 0.50% · 4.625%
HK$116,342
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,338/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,806
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,885
−HK$3,124/mo
Today · 4.125%
HK$121,009
baseline
▲ 0.50% · 4.625%
HK$127,387
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,018/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,682
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,809
−HK$4,194/mo
Today · 4.125%
HK$141,003
baseline
▲ 0.50% · 4.625%
HK$149,582
+HK$8,579/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$282,006/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,608
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$151,566
−HK$4,016/mo
Today · 4.125%
HK$155,582
baseline
▲ 0.50% · 4.625%
HK$163,783
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,164/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,870 · Scale 2, in force from 26 Feb 2026)