LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,743
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,037
−HK$2,330/mo
Today · 4.125%
HK$78,367
baseline
▲ 0.50% · 4.625%
HK$83,136
+HK$4,769/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,734/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,038
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,239
−HK$2,232/mo
Today · 4.125%
HK$86,471
baseline
▲ 0.50% · 4.625%
HK$91,029
+HK$4,558/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,942/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,492
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,244
−HK$2,797/mo
Today · 4.125%
HK$94,041
baseline
▲ 0.50% · 4.625%
HK$99,763
+HK$5,722/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$188,082/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,446
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,086
−HK$2,679/mo
Today · 4.125%
HK$103,765
baseline
▲ 0.50% · 4.625%
HK$109,234
+HK$5,469/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$207,530/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,240
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,452
−HK$3,262/mo
Today · 4.125%
HK$109,714
baseline
▲ 0.50% · 4.625%
HK$116,390
+HK$6,676/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$219,428/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,854
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,934
−HK$3,125/mo
Today · 4.125%
HK$121,059
baseline
▲ 0.50% · 4.625%
HK$127,440
+HK$6,381/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$242,118/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,737
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$136,866
−HK$4,195/mo
Today · 4.125%
HK$141,061
baseline
▲ 0.50% · 4.625%
HK$149,644
+HK$8,583/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$282,122/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,669
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,629
−HK$4,018/mo
Today · 4.125%
HK$155,647
baseline
▲ 0.50% · 4.625%
HK$163,851
+HK$8,204/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$311,294/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,441 · Scale 2, in force from 26 Feb 2026)