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$83,296
+HK$4,778/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$1,377,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,196
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,401
−HK$2,236/mo
Today · 4.125%
HK$86,637
baseline
▲ 0.50% · 4.625%
HK$91,204
+HK$4,567/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$1,377,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,662
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,420
−HK$2,802/mo
Today · 4.125%
HK$94,222
baseline
▲ 0.50% · 4.625%
HK$99,955
+HK$5,733/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,444/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,636
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,281
−HK$2,684/mo
Today · 4.125%
HK$103,965
baseline
▲ 0.50% · 4.625%
HK$109,445
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,930/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,439
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,657
−HK$3,269/mo
Today · 4.125%
HK$109,926
baseline
▲ 0.50% · 4.625%
HK$116,614
+HK$6,688/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,852/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,075
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,161
−HK$3,131/mo
Today · 4.125%
HK$121,292
baseline
▲ 0.50% · 4.625%
HK$127,686
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,584/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,993
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,130
−HK$4,203/mo
Today · 4.125%
HK$141,333
baseline
▲ 0.50% · 4.625%
HK$149,933
+HK$8,600/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,666/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,954
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$151,922
−HK$4,025/mo
Today · 4.125%
HK$155,947
baseline
▲ 0.50% · 4.625%
HK$164,167
+HK$8,220/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,894/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,091 · Scale 2, in force from 26 Feb 2026)