LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,760
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,054
−HK$2,331/mo
Today · 4.125%
HK$78,385
baseline
▲ 0.50% · 4.625%
HK$83,155
+HK$4,770/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,770/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,057
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,258
−HK$2,232/mo
Today · 4.125%
HK$86,490
baseline
▲ 0.50% · 4.625%
HK$91,049
+HK$4,559/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,980/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,512
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,265
−HK$2,797/mo
Today · 4.125%
HK$94,062
baseline
▲ 0.50% · 4.625%
HK$99,786
+HK$5,724/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,124/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,469
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,109
−HK$2,680/mo
Today · 4.125%
HK$103,789
baseline
▲ 0.50% · 4.625%
HK$109,259
+HK$5,470/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,578/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,264
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,476
−HK$3,263/mo
Today · 4.125%
HK$109,739
baseline
▲ 0.50% · 4.625%
HK$116,417
+HK$6,678/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$219,478/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,880
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,961
−HK$3,126/mo
Today · 4.125%
HK$121,087
baseline
▲ 0.50% · 4.625%
HK$127,469
+HK$6,382/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$242,174/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,768
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$136,898
−HK$4,196/mo
Today · 4.125%
HK$141,094
baseline
▲ 0.50% · 4.625%
HK$149,679
+HK$8,585/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$282,188/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,703
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$151,664
−HK$4,019/mo
Today · 4.125%
HK$155,683
baseline
▲ 0.50% · 4.625%
HK$163,889
+HK$8,206/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$311,366/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,757 · Scale 2, in force from 26 Feb 2026)