LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,747
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,041
−HK$2,331/mo
Today · 4.125%
HK$78,372
baseline
▲ 0.50% · 4.625%
HK$83,140
+HK$4,768/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,744/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,043
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,243
−HK$2,232/mo
Today · 4.125%
HK$86,475
baseline
▲ 0.50% · 4.625%
HK$91,034
+HK$4,559/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,950/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,496
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,249
−HK$2,797/mo
Today · 4.125%
HK$94,046
baseline
▲ 0.50% · 4.625%
HK$99,768
+HK$5,722/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$188,092/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,451
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,092
−HK$2,678/mo
Today · 4.125%
HK$103,770
baseline
▲ 0.50% · 4.625%
HK$109,240
+HK$5,470/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$207,540/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,246
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,457
−HK$3,263/mo
Today · 4.125%
HK$109,720
baseline
▲ 0.50% · 4.625%
HK$116,397
+HK$6,677/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$219,440/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,860
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,941
−HK$3,125/mo
Today · 4.125%
HK$121,066
baseline
▲ 0.50% · 4.625%
HK$127,447
+HK$6,381/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$242,132/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,745
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$136,874
−HK$4,195/mo
Today · 4.125%
HK$141,069
baseline
▲ 0.50% · 4.625%
HK$149,653
+HK$8,584/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$282,138/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,677
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$151,638
−HK$4,018/mo
Today · 4.125%
HK$155,656
baseline
▲ 0.50% · 4.625%
HK$163,861
+HK$8,205/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$311,312/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,517 · Scale 2, in force from 26 Feb 2026)