LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,766
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,060
−HK$2,332/mo
Today · 4.125%
HK$78,392
baseline
▲ 0.50% · 4.625%
HK$83,162
+HK$4,770/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,784/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,064
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,232/mo
Today · 4.125%
HK$86,497
baseline
▲ 0.50% · 4.625%
HK$91,057
+HK$4,560/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,994/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,519
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,272
−HK$2,798/mo
Today · 4.125%
HK$94,070
baseline
▲ 0.50% · 4.625%
HK$99,794
+HK$5,724/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,140/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,476
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,118
−HK$2,679/mo
Today · 4.125%
HK$103,797
baseline
▲ 0.50% · 4.625%
HK$109,268
+HK$5,471/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,594/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,272
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,484
−HK$3,264/mo
Today · 4.125%
HK$109,748
baseline
▲ 0.50% · 4.625%
HK$116,426
+HK$6,678/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$219,496/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,889
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,970
−HK$3,126/mo
Today · 4.125%
HK$121,096
baseline
▲ 0.50% · 4.625%
HK$127,479
+HK$6,383/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$242,192/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,778
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,909
−HK$4,196/mo
Today · 4.125%
HK$141,105
baseline
▲ 0.50% · 4.625%
HK$149,691
+HK$8,586/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$282,210/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,715
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$151,676
−HK$4,019/mo
Today · 4.125%
HK$155,695
baseline
▲ 0.50% · 4.625%
HK$163,902
+HK$8,207/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$311,390/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,866 · Scale 2, in force from 26 Feb 2026)