LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,855
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,152
−HK$2,334/mo
Today · 4.125%
HK$78,486
baseline
▲ 0.50% · 4.625%
HK$83,262
+HK$4,776/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,972/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,163
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,366
−HK$2,235/mo
Today · 4.125%
HK$86,601
baseline
▲ 0.50% · 4.625%
HK$91,166
+HK$4,565/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,202/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,626
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,382
−HK$2,801/mo
Today · 4.125%
HK$94,183
baseline
▲ 0.50% · 4.625%
HK$99,914
+HK$5,731/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$188,366/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,595
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,239
−HK$2,683/mo
Today · 4.125%
HK$103,922
baseline
▲ 0.50% · 4.625%
HK$109,400
+HK$5,478/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$207,844/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,396
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,613
−HK$3,267/mo
Today · 4.125%
HK$109,880
baseline
▲ 0.50% · 4.625%
HK$116,566
+HK$6,686/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$219,760/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,028
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,112
−HK$3,130/mo
Today · 4.125%
HK$121,242
baseline
▲ 0.50% · 4.625%
HK$127,633
+HK$6,391/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$242,484/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,938
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$137,073
−HK$4,202/mo
Today · 4.125%
HK$141,275
baseline
▲ 0.50% · 4.625%
HK$149,871
+HK$8,596/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,550/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,893
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,859
−HK$4,024/mo
Today · 4.125%
HK$155,883
baseline
▲ 0.50% · 4.625%
HK$164,099
+HK$8,216/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,766/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,521 · Scale 2, in force from 26 Feb 2026)