LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,714
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,007
−HK$2,330/mo
Today · 4.125%
HK$78,337
baseline
▲ 0.50% · 4.625%
HK$83,103
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,674/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,006
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,206
−HK$2,231/mo
Today · 4.125%
HK$86,437
baseline
▲ 0.50% · 4.625%
HK$90,993
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,874/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,457
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,208
−HK$2,796/mo
Today · 4.125%
HK$94,004
baseline
▲ 0.50% · 4.625%
HK$99,724
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,008/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,407
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,047
−HK$2,677/mo
Today · 4.125%
HK$103,724
baseline
▲ 0.50% · 4.625%
HK$109,191
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,448/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,200
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,410
−HK$3,261/mo
Today · 4.125%
HK$109,671
baseline
▲ 0.50% · 4.625%
HK$116,344
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,342/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,809
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,888
−HK$3,123/mo
Today · 4.125%
HK$121,011
baseline
▲ 0.50% · 4.625%
HK$127,390
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,022/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,685
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,813
−HK$4,193/mo
Today · 4.125%
HK$141,006
baseline
▲ 0.50% · 4.625%
HK$149,586
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$282,012/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,611
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,570
−HK$4,016/mo
Today · 4.125%
HK$155,586
baseline
▲ 0.50% · 4.625%
HK$163,787
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,172/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,902 · Scale 2, in force from 26 Feb 2026)