LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,885
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,183
−HK$2,335/mo
Today · 4.125%
HK$78,518
baseline
▲ 0.50% · 4.625%
HK$83,295
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,036/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,196
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,400
−HK$2,237/mo
Today · 4.125%
HK$86,637
baseline
▲ 0.50% · 4.625%
HK$91,203
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,274/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,661
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,419
−HK$2,802/mo
Today · 4.125%
HK$94,221
baseline
▲ 0.50% · 4.625%
HK$99,954
+HK$5,733/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,442/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,635
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,280
−HK$2,684/mo
Today · 4.125%
HK$103,964
baseline
▲ 0.50% · 4.625%
HK$109,444
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,928/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,438
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,656
−HK$3,269/mo
Today · 4.125%
HK$109,925
baseline
▲ 0.50% · 4.625%
HK$116,614
+HK$6,689/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,850/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,074
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,160
−HK$3,131/mo
Today · 4.125%
HK$121,291
baseline
▲ 0.50% · 4.625%
HK$127,685
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,582/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,992
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,129
−HK$4,203/mo
Today · 4.125%
HK$141,332
baseline
▲ 0.50% · 4.625%
HK$149,932
+HK$8,600/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,664/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,952
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,921
−HK$4,025/mo
Today · 4.125%
HK$155,946
baseline
▲ 0.50% · 4.625%
HK$164,166
+HK$8,220/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,892/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,080 · Scale 2, in force from 26 Feb 2026)