LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,717
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,010
−HK$2,330/mo
Today · 4.125%
HK$78,340
baseline
▲ 0.50% · 4.625%
HK$83,107
+HK$4,767/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,680/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,010
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,209
−HK$2,232/mo
Today · 4.125%
HK$86,441
baseline
▲ 0.50% · 4.625%
HK$90,997
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,882/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,461
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,212
−HK$2,796/mo
Today · 4.125%
HK$94,008
baseline
▲ 0.50% · 4.625%
HK$99,728
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,016/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,412
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,051
−HK$2,678/mo
Today · 4.125%
HK$103,729
baseline
▲ 0.50% · 4.625%
HK$109,196
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,458/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,204
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,415
−HK$3,261/mo
Today · 4.125%
HK$109,676
baseline
▲ 0.50% · 4.625%
HK$116,350
+HK$6,674/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,352/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,814
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,893
−HK$3,124/mo
Today · 4.125%
HK$121,017
baseline
▲ 0.50% · 4.625%
HK$127,396
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,034/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,691
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,819
−HK$4,193/mo
Today · 4.125%
HK$141,012
baseline
▲ 0.50% · 4.625%
HK$149,592
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,024/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,618
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,577
−HK$4,016/mo
Today · 4.125%
HK$155,593
baseline
▲ 0.50% · 4.625%
HK$163,795
+HK$8,202/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,186/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,963 · Scale 2, in force from 26 Feb 2026)