LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,805
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,101
−HK$2,333/mo
Today · 4.125%
HK$78,434
baseline
▲ 0.50% · 4.625%
HK$83,206
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,868/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,108
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,310
−HK$2,234/mo
Today · 4.125%
HK$86,544
baseline
▲ 0.50% · 4.625%
HK$91,106
+HK$4,562/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,088/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,566
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,321
−HK$2,799/mo
Today · 4.125%
HK$94,120
baseline
▲ 0.50% · 4.625%
HK$99,847
+HK$5,727/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,240/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,529
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,172
−HK$2,681/mo
Today · 4.125%
HK$103,853
baseline
▲ 0.50% · 4.625%
HK$109,327
+HK$5,474/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,706/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,328
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,542
−HK$3,265/mo
Today · 4.125%
HK$109,807
baseline
▲ 0.50% · 4.625%
HK$116,489
+HK$6,682/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,614/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,951
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,034
−HK$3,127/mo
Today · 4.125%
HK$121,161
baseline
▲ 0.50% · 4.625%
HK$127,548
+HK$6,387/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,322/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,850
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$136,982
−HK$4,199/mo
Today · 4.125%
HK$141,181
baseline
▲ 0.50% · 4.625%
HK$149,771
+HK$8,590/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,362/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,794
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$151,758
−HK$4,021/mo
Today · 4.125%
HK$155,779
baseline
▲ 0.50% · 4.625%
HK$163,990
+HK$8,211/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,558/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,605 · Scale 2, in force from 26 Feb 2026)