LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,868
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,166
−HK$2,334/mo
Today · 4.125%
HK$78,500
baseline
▲ 0.50% · 4.625%
HK$83,277
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,000/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,178
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,382
−HK$2,235/mo
Today · 4.125%
HK$86,617
baseline
▲ 0.50% · 4.625%
HK$91,183
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,234/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,642
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,399
−HK$2,802/mo
Today · 4.125%
HK$94,201
baseline
▲ 0.50% · 4.625%
HK$99,932
+HK$5,731/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,402/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,613
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,258
−HK$2,683/mo
Today · 4.125%
HK$103,941
baseline
▲ 0.50% · 4.625%
HK$109,420
+HK$5,479/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,882/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,416
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,632
−HK$3,269/mo
Today · 4.125%
HK$109,901
baseline
▲ 0.50% · 4.625%
HK$116,588
+HK$6,687/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,802/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,049
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,134
−HK$3,130/mo
Today · 4.125%
HK$121,264
baseline
▲ 0.50% · 4.625%
HK$127,656
+HK$6,392/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,528/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,963
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,099
−HK$4,202/mo
Today · 4.125%
HK$141,301
baseline
▲ 0.50% · 4.625%
HK$149,899
+HK$8,598/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,602/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,920
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$151,887
−HK$4,024/mo
Today · 4.125%
HK$155,911
baseline
▲ 0.50% · 4.625%
HK$164,130
+HK$8,219/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,822/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,776 · Scale 2, in force from 26 Feb 2026)