LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,873
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,171
−HK$2,334/mo
Today · 4.125%
HK$78,505
baseline
▲ 0.50% · 4.625%
HK$83,282
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,010/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,183
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,387
−HK$2,236/mo
Today · 4.125%
HK$86,623
baseline
▲ 0.50% · 4.625%
HK$91,189
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,246/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,647
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,405
−HK$2,801/mo
Today · 4.125%
HK$94,206
baseline
▲ 0.50% · 4.625%
HK$99,939
+HK$5,733/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,412/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,619
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,264
−HK$2,683/mo
Today · 4.125%
HK$103,947
baseline
▲ 0.50% · 4.625%
HK$109,427
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,894/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,422
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,639
−HK$3,268/mo
Today · 4.125%
HK$109,907
baseline
▲ 0.50% · 4.625%
HK$116,595
+HK$6,688/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,814/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,056
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,142
−HK$3,130/mo
Today · 4.125%
HK$121,272
baseline
▲ 0.50% · 4.625%
HK$127,664
+HK$6,392/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,544/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,971
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,107
−HK$4,202/mo
Today · 4.125%
HK$141,309
baseline
▲ 0.50% · 4.625%
HK$149,908
+HK$8,599/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,618/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,929
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,896
−HK$4,025/mo
Today · 4.125%
HK$155,921
baseline
▲ 0.50% · 4.625%
HK$164,140
+HK$8,219/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,842/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,860 · Scale 2, in force from 26 Feb 2026)