LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,770
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,065
−HK$2,331/mo
Today · 4.125%
HK$78,396
baseline
▲ 0.50% · 4.625%
HK$83,166
+HK$4,770/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,792/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,069
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,270
−HK$2,232/mo
Today · 4.125%
HK$86,502
baseline
▲ 0.50% · 4.625%
HK$91,062
+HK$4,560/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,004/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,524
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,278
−HK$2,797/mo
Today · 4.125%
HK$94,075
baseline
▲ 0.50% · 4.625%
HK$99,800
+HK$5,725/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,150/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,482
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,124
−HK$2,679/mo
Today · 4.125%
HK$103,803
baseline
▲ 0.50% · 4.625%
HK$109,275
+HK$5,472/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,606/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,278
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,491
−HK$3,264/mo
Today · 4.125%
HK$109,755
baseline
▲ 0.50% · 4.625%
HK$116,433
+HK$6,678/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,510/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,896
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,977
−HK$3,126/mo
Today · 4.125%
HK$121,103
baseline
▲ 0.50% · 4.625%
HK$127,487
+HK$6,384/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,206/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,786
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,917
−HK$4,196/mo
Today · 4.125%
HK$141,113
baseline
▲ 0.50% · 4.625%
HK$149,700
+HK$8,587/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,226/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,723
−HK$7,981/mo
▼ 0.25% · 3.875%
HK$151,685
−HK$4,019/mo
Today · 4.125%
HK$155,704
baseline
▲ 0.50% · 4.625%
HK$163,912
+HK$8,208/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,408/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,948 · Scale 2, in force from 26 Feb 2026)