LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,715
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,008
−HK$2,330/mo
Today · 4.125%
HK$78,338
baseline
▲ 0.50% · 4.625%
HK$83,104
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,676/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,007
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,207
−HK$2,231/mo
Today · 4.125%
HK$86,438
baseline
▲ 0.50% · 4.625%
HK$90,994
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,876/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,458
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,210
−HK$2,795/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$1,373,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,409
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,048
−HK$2,678/mo
Today · 4.125%
HK$103,726
baseline
▲ 0.50% · 4.625%
HK$109,193
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,452/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,201
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,411
−HK$3,262/mo
Today · 4.125%
HK$109,673
baseline
▲ 0.50% · 4.625%
HK$116,346
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,346/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,810
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,890
−HK$3,123/mo
Today · 4.125%
HK$121,013
baseline
▲ 0.50% · 4.625%
HK$127,392
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,026/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,687
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,815
−HK$4,193/mo
Today · 4.125%
HK$141,008
baseline
▲ 0.50% · 4.625%
HK$149,588
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$282,016/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,613
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$151,572
−HK$4,017/mo
Today · 4.125%
HK$155,589
baseline
▲ 0.50% · 4.625%
HK$163,790
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,178/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,924 · Scale 2, in force from 26 Feb 2026)