LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,858
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,155
−HK$2,335/mo
Today · 4.125%
HK$78,490
baseline
▲ 0.50% · 4.625%
HK$83,265
+HK$4,775/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$156,980/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,166
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,370
−HK$2,236/mo
Today · 4.125%
HK$86,606
baseline
▲ 0.50% · 4.625%
HK$91,171
+HK$4,565/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,212/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,630
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,387
−HK$2,801/mo
Today · 4.125%
HK$94,188
baseline
▲ 0.50% · 4.625%
HK$99,919
+HK$5,731/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$188,376/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,600
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,244
−HK$2,683/mo
Today · 4.125%
HK$103,927
baseline
▲ 0.50% · 4.625%
HK$109,405
+HK$5,478/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$207,854/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,401
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,618
−HK$3,267/mo
Today · 4.125%
HK$109,885
baseline
▲ 0.50% · 4.625%
HK$116,572
+HK$6,687/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$219,770/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,033
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,118
−HK$3,130/mo
Today · 4.125%
HK$121,248
baseline
▲ 0.50% · 4.625%
HK$127,639
+HK$6,391/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$242,496/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,944
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$137,080
−HK$4,201/mo
Today · 4.125%
HK$141,281
baseline
▲ 0.50% · 4.625%
HK$149,878
+HK$8,597/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,562/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,899
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$151,866
−HK$4,024/mo
Today · 4.125%
HK$155,890
baseline
▲ 0.50% · 4.625%
HK$164,107
+HK$8,217/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,780/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,585 · Scale 2, in force from 26 Feb 2026)