LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,779
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,074
−HK$2,331/mo
Today · 4.125%
HK$78,405
baseline
▲ 0.50% · 4.625%
HK$83,176
+HK$4,771/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,810/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,078
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,279
−HK$2,233/mo
Today · 4.125%
HK$86,512
baseline
▲ 0.50% · 4.625%
HK$91,073
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,024/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,534
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,288
−HK$2,798/mo
Today · 4.125%
HK$94,086
baseline
▲ 0.50% · 4.625%
HK$99,811
+HK$5,725/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,172/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,494
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,135
−HK$2,680/mo
Today · 4.125%
HK$103,815
baseline
▲ 0.50% · 4.625%
HK$109,287
+HK$5,472/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,630/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,290
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,503
−HK$3,264/mo
Today · 4.125%
HK$109,767
baseline
▲ 0.50% · 4.625%
HK$116,446
+HK$6,679/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,534/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,909
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,991
−HK$3,126/mo
Today · 4.125%
HK$121,117
baseline
▲ 0.50% · 4.625%
HK$127,502
+HK$6,385/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,234/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,802
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,933
−HK$4,196/mo
Today · 4.125%
HK$141,129
baseline
▲ 0.50% · 4.625%
HK$149,717
+HK$8,588/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,258/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,740
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,703
−HK$4,019/mo
Today · 4.125%
HK$155,722
baseline
▲ 0.50% · 4.625%
HK$163,931
+HK$8,209/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,444/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,106 · Scale 2, in force from 26 Feb 2026)