LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,715
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,008
−HK$2,329/mo
Today · 4.125%
HK$78,337
baseline
▲ 0.50% · 4.625%
HK$83,104
+HK$4,767/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$1,373,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,007
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,206
−HK$2,231/mo
Today · 4.125%
HK$86,437
baseline
▲ 0.50% · 4.625%
HK$90,994
+HK$4,557/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$1,373,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,458
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,209
−HK$2,796/mo
Today · 4.125%
HK$94,005
baseline
▲ 0.50% · 4.625%
HK$99,725
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,010/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,408
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,047
−HK$2,678/mo
Today · 4.125%
HK$103,725
baseline
▲ 0.50% · 4.625%
HK$109,192
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,450/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,200
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,411
−HK$3,261/mo
Today · 4.125%
HK$109,672
baseline
▲ 0.50% · 4.625%
HK$116,345
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,344/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,809
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,889
−HK$3,123/mo
Today · 4.125%
HK$121,012
baseline
▲ 0.50% · 4.625%
HK$127,391
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,024/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,686
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,814
−HK$4,193/mo
Today · 4.125%
HK$141,007
baseline
▲ 0.50% · 4.625%
HK$149,587
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$282,014/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,612
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,571
−HK$4,016/mo
Today · 4.125%
HK$155,587
baseline
▲ 0.50% · 4.625%
HK$163,788
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,174/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,912 · Scale 2, in force from 26 Feb 2026)