LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,896
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,194
−HK$2,336/mo
Today · 4.125%
HK$78,530
baseline
▲ 0.50% · 4.625%
HK$83,308
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,060/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,208
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,413
−HK$2,237/mo
Today · 4.125%
HK$86,650
baseline
▲ 0.50% · 4.625%
HK$91,217
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,300/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,675
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,433
−HK$2,803/mo
Today · 4.125%
HK$94,236
baseline
▲ 0.50% · 4.625%
HK$99,970
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,472/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,650
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,296
−HK$2,684/mo
Today · 4.125%
HK$103,980
baseline
▲ 0.50% · 4.625%
HK$109,461
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,960/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,454
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,672
−HK$3,270/mo
Today · 4.125%
HK$109,942
baseline
▲ 0.50% · 4.625%
HK$116,631
+HK$6,689/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,884/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,092
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,178
−HK$3,132/mo
Today · 4.125%
HK$121,310
baseline
▲ 0.50% · 4.625%
HK$127,704
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,620/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,012
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,150
−HK$4,203/mo
Today · 4.125%
HK$141,353
baseline
▲ 0.50% · 4.625%
HK$149,954
+HK$8,601/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,706/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,975
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,944
−HK$4,026/mo
Today · 4.125%
HK$155,970
baseline
▲ 0.50% · 4.625%
HK$164,191
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,940/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,289 · Scale 2, in force from 26 Feb 2026)