LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,757
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,051
−HK$2,331/mo
Today · 4.125%
HK$78,382
baseline
▲ 0.50% · 4.625%
HK$83,152
+HK$4,770/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,764/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,054
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,255
−HK$2,232/mo
Today · 4.125%
HK$86,487
baseline
▲ 0.50% · 4.625%
HK$91,046
+HK$4,559/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,974/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,508
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,262
−HK$2,797/mo
Today · 4.125%
HK$94,059
baseline
▲ 0.50% · 4.625%
HK$99,782
+HK$5,723/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,118/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,465
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,105
−HK$2,679/mo
Today · 4.125%
HK$103,784
baseline
▲ 0.50% · 4.625%
HK$109,255
+HK$5,471/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,568/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,260
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,472
−HK$3,263/mo
Today · 4.125%
HK$109,735
baseline
▲ 0.50% · 4.625%
HK$116,412
+HK$6,677/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$219,470/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,875
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,956
−HK$3,126/mo
Today · 4.125%
HK$121,082
baseline
▲ 0.50% · 4.625%
HK$127,464
+HK$6,382/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$242,164/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,763
−HK$8,325/mo
▼ 0.25% · 3.875%
HK$136,892
−HK$4,196/mo
Today · 4.125%
HK$141,088
baseline
▲ 0.50% · 4.625%
HK$149,673
+HK$8,585/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$282,176/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,697
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$151,658
−HK$4,019/mo
Today · 4.125%
HK$155,677
baseline
▲ 0.50% · 4.625%
HK$163,883
+HK$8,206/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$311,354/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,702 · Scale 2, in force from 26 Feb 2026)