LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,718
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,011
−HK$2,330/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$83,108
+HK$4,767/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,011
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,210
−HK$2,231/mo
Today · 4.125%
HK$86,441
baseline
▲ 0.50% · 4.625%
HK$90,998
+HK$4,557/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$1,373,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,462
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,213
−HK$2,796/mo
Today · 4.125%
HK$94,009
baseline
▲ 0.50% · 4.625%
HK$99,729
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,018/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,413
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,052
−HK$2,678/mo
Today · 4.125%
HK$103,730
baseline
▲ 0.50% · 4.625%
HK$109,197
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,460/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,205
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,416
−HK$3,261/mo
Today · 4.125%
HK$109,677
baseline
▲ 0.50% · 4.625%
HK$116,351
+HK$6,674/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,354/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,815
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,894
−HK$3,124/mo
Today · 4.125%
HK$121,018
baseline
▲ 0.50% · 4.625%
HK$127,397
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,036/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,693
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,820
−HK$4,194/mo
Today · 4.125%
HK$141,014
baseline
▲ 0.50% · 4.625%
HK$149,594
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,028/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,619
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$151,578
−HK$4,017/mo
Today · 4.125%
HK$155,595
baseline
▲ 0.50% · 4.625%
HK$163,796
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,190/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,977 · Scale 2, in force from 26 Feb 2026)