LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,738
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,032
−HK$2,330/mo
Today · 4.125%
HK$78,362
baseline
▲ 0.50% · 4.625%
HK$83,130
+HK$4,768/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,724/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,033
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,233
−HK$2,232/mo
Today · 4.125%
HK$86,465
baseline
▲ 0.50% · 4.625%
HK$91,023
+HK$4,558/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,930/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,486
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,238
−HK$2,797/mo
Today · 4.125%
HK$94,035
baseline
▲ 0.50% · 4.625%
HK$99,756
+HK$5,721/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$188,070/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,440
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,080
−HK$2,678/mo
Today · 4.125%
HK$103,758
baseline
▲ 0.50% · 4.625%
HK$109,227
+HK$5,469/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$207,516/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,233
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,445
−HK$3,262/mo
Today · 4.125%
HK$109,707
baseline
▲ 0.50% · 4.625%
HK$116,382
+HK$6,675/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$219,414/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,846
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,926
−HK$3,125/mo
Today · 4.125%
HK$121,051
baseline
▲ 0.50% · 4.625%
HK$127,432
+HK$6,381/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$242,102/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,729
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$136,857
−HK$4,195/mo
Today · 4.125%
HK$141,052
baseline
▲ 0.50% · 4.625%
HK$149,635
+HK$8,583/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,104/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,659
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,619
−HK$4,018/mo
Today · 4.125%
HK$155,637
baseline
▲ 0.50% · 4.625%
HK$163,841
+HK$8,204/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,274/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,351 · Scale 2, in force from 26 Feb 2026)