LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,777
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,072
−HK$2,332/mo
Today · 4.125%
HK$78,404
baseline
▲ 0.50% · 4.625%
HK$83,175
+HK$4,771/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,808/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,077
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,278
−HK$2,233/mo
Today · 4.125%
HK$86,511
baseline
▲ 0.50% · 4.625%
HK$91,071
+HK$4,560/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,022/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,533
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,287
−HK$2,798/mo
Today · 4.125%
HK$94,085
baseline
▲ 0.50% · 4.625%
HK$99,809
+HK$5,724/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,170/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,492
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,133
−HK$2,680/mo
Today · 4.125%
HK$103,813
baseline
▲ 0.50% · 4.625%
HK$109,285
+HK$5,472/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,626/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,288
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,501
−HK$3,264/mo
Today · 4.125%
HK$109,765
baseline
▲ 0.50% · 4.625%
HK$116,444
+HK$6,679/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,530/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,907
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,989
−HK$3,126/mo
Today · 4.125%
HK$121,115
baseline
▲ 0.50% · 4.625%
HK$127,499
+HK$6,384/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,230/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,799
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,930
−HK$4,197/mo
Today · 4.125%
HK$141,127
baseline
▲ 0.50% · 4.625%
HK$149,714
+HK$8,587/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,254/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,738
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,700
−HK$4,020/mo
Today · 4.125%
HK$155,720
baseline
▲ 0.50% · 4.625%
HK$163,928
+HK$8,208/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,440/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,082 · Scale 2, in force from 26 Feb 2026)