LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,895
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,193
−HK$2,336/mo
Today · 4.125%
HK$78,529
baseline
▲ 0.50% · 4.625%
HK$83,307
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,058/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,207
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,412
−HK$2,237/mo
Today · 4.125%
HK$86,649
baseline
▲ 0.50% · 4.625%
HK$91,216
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,298/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,674
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,432
−HK$2,802/mo
Today · 4.125%
HK$94,234
baseline
▲ 0.50% · 4.625%
HK$99,968
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,468/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,649
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,294
−HK$2,684/mo
Today · 4.125%
HK$103,978
baseline
▲ 0.50% · 4.625%
HK$109,459
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,956/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,453
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,671
−HK$3,269/mo
Today · 4.125%
HK$109,940
baseline
▲ 0.50% · 4.625%
HK$116,630
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,880/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,090
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,177
−HK$3,131/mo
Today · 4.125%
HK$121,308
baseline
▲ 0.50% · 4.625%
HK$127,702
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,616/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,011
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,148
−HK$4,204/mo
Today · 4.125%
HK$141,352
baseline
▲ 0.50% · 4.625%
HK$149,953
+HK$8,601/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,704/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,973
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,942
−HK$4,026/mo
Today · 4.125%
HK$155,968
baseline
▲ 0.50% · 4.625%
HK$164,189
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,936/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,271 · Scale 2, in force from 26 Feb 2026)