LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,828
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,124
−HK$2,334/mo
Today · 4.125%
HK$78,458
baseline
▲ 0.50% · 4.625%
HK$83,232
+HK$4,774/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,916/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,133
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,336
−HK$2,234/mo
Today · 4.125%
HK$86,570
baseline
▲ 0.50% · 4.625%
HK$91,134
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,140/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,594
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,349
−HK$2,800/mo
Today · 4.125%
HK$94,149
baseline
▲ 0.50% · 4.625%
HK$99,878
+HK$5,729/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$188,298/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,560
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,203
−HK$2,681/mo
Today · 4.125%
HK$103,884
baseline
▲ 0.50% · 4.625%
HK$109,360
+HK$5,476/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$207,768/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,359
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,574
−HK$3,267/mo
Today · 4.125%
HK$109,841
baseline
▲ 0.50% · 4.625%
HK$116,524
+HK$6,683/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,682/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,986
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,070
−HK$3,128/mo
Today · 4.125%
HK$121,198
baseline
▲ 0.50% · 4.625%
HK$127,587
+HK$6,389/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,396/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,890
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,024
−HK$4,200/mo
Today · 4.125%
HK$141,224
baseline
▲ 0.50% · 4.625%
HK$149,817
+HK$8,593/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$282,448/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,839
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,804
−HK$4,023/mo
Today · 4.125%
HK$155,827
baseline
▲ 0.50% · 4.625%
HK$164,040
+HK$8,213/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$311,654/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,026 · Scale 2, in force from 26 Feb 2026)