LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,877
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,175
−HK$2,335/mo
Today · 4.125%
HK$78,510
baseline
▲ 0.50% · 4.625%
HK$83,287
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,020/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,187
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,392
−HK$2,236/mo
Today · 4.125%
HK$86,628
baseline
▲ 0.50% · 4.625%
HK$91,194
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,256/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,652
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,410
−HK$2,802/mo
Today · 4.125%
HK$94,212
baseline
▲ 0.50% · 4.625%
HK$99,944
+HK$5,732/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,424/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,625
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,270
−HK$2,683/mo
Today · 4.125%
HK$103,953
baseline
▲ 0.50% · 4.625%
HK$109,433
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,906/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,428
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,645
−HK$3,269/mo
Today · 4.125%
HK$109,914
baseline
▲ 0.50% · 4.625%
HK$116,602
+HK$6,688/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,828/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,062
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,148
−HK$3,131/mo
Today · 4.125%
HK$121,279
baseline
▲ 0.50% · 4.625%
HK$127,672
+HK$6,393/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,558/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,979
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,115
−HK$4,202/mo
Today · 4.125%
HK$141,317
baseline
▲ 0.50% · 4.625%
HK$149,916
+HK$8,599/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,634/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,937
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$151,905
−HK$4,025/mo
Today · 4.125%
HK$155,930
baseline
▲ 0.50% · 4.625%
HK$164,149
+HK$8,219/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,860/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,938 · Scale 2, in force from 26 Feb 2026)