LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,904
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,203
−HK$2,336/mo
Today · 4.125%
HK$78,539
baseline
▲ 0.50% · 4.625%
HK$83,318
+HK$4,779/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,078/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,218
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,423
−HK$2,237/mo
Today · 4.125%
HK$86,660
baseline
▲ 0.50% · 4.625%
HK$91,228
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,320/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,685
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,444
−HK$2,803/mo
Today · 4.125%
HK$94,247
baseline
▲ 0.50% · 4.625%
HK$99,981
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$188,494/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,662
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,308
−HK$2,684/mo
Today · 4.125%
HK$103,992
baseline
▲ 0.50% · 4.625%
HK$109,473
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$207,984/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,466
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,685
−HK$3,269/mo
Today · 4.125%
HK$109,954
baseline
▲ 0.50% · 4.625%
HK$116,645
+HK$6,691/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,908/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,105
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,192
−HK$3,132/mo
Today · 4.125%
HK$121,324
baseline
▲ 0.50% · 4.625%
HK$127,719
+HK$6,395/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,648/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,028
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$137,166
−HK$4,204/mo
Today · 4.125%
HK$141,370
baseline
▲ 0.50% · 4.625%
HK$149,972
+HK$8,602/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,740/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,992
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,961
−HK$4,027/mo
Today · 4.125%
HK$155,988
baseline
▲ 0.50% · 4.625%
HK$164,210
+HK$8,222/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,976/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,450 · Scale 2, in force from 26 Feb 2026)