LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,789
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,084
−HK$2,332/mo
Today · 4.125%
HK$78,416
baseline
▲ 0.50% · 4.625%
HK$83,188
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,832/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,089
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,291
−HK$2,233/mo
Today · 4.125%
HK$86,524
baseline
▲ 0.50% · 4.625%
HK$91,085
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,048/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,547
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,301
−HK$2,798/mo
Today · 4.125%
HK$94,099
baseline
▲ 0.50% · 4.625%
HK$99,825
+HK$5,726/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$188,198/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,507
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,149
−HK$2,680/mo
Today · 4.125%
HK$103,829
baseline
▲ 0.50% · 4.625%
HK$109,302
+HK$5,473/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$207,658/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,305
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,518
−HK$3,265/mo
Today · 4.125%
HK$109,783
baseline
▲ 0.50% · 4.625%
HK$116,463
+HK$6,680/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,566/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,925
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,007
−HK$3,127/mo
Today · 4.125%
HK$121,134
baseline
▲ 0.50% · 4.625%
HK$127,519
+HK$6,385/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,268/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,820
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$136,952
−HK$4,197/mo
Today · 4.125%
HK$141,149
baseline
▲ 0.50% · 4.625%
HK$149,738
+HK$8,589/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,298/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,761
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,724
−HK$4,020/mo
Today · 4.125%
HK$155,744
baseline
▲ 0.50% · 4.625%
HK$163,954
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,488/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,297 · Scale 2, in force from 26 Feb 2026)