LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,920
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,219
−HK$2,336/mo
Today · 4.125%
HK$78,555
baseline
▲ 0.50% · 4.625%
HK$83,335
+HK$4,780/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,110/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,235
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,440
−HK$2,238/mo
Today · 4.125%
HK$86,678
baseline
▲ 0.50% · 4.625%
HK$91,246
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,356/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,703
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,463
−HK$2,803/mo
Today · 4.125%
HK$94,266
baseline
▲ 0.50% · 4.625%
HK$100,002
+HK$5,736/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,532/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,682
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,328
−HK$2,685/mo
Today · 4.125%
HK$104,013
baseline
▲ 0.50% · 4.625%
HK$109,496
+HK$5,483/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,026/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,487
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,706
−HK$3,271/mo
Today · 4.125%
HK$109,977
baseline
▲ 0.50% · 4.625%
HK$116,669
+HK$6,692/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$219,954/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,129
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,216
−HK$3,133/mo
Today · 4.125%
HK$121,349
baseline
▲ 0.50% · 4.625%
HK$127,745
+HK$6,396/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$242,698/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,055
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$137,194
−HK$4,205/mo
Today · 4.125%
HK$141,399
baseline
▲ 0.50% · 4.625%
HK$150,003
+HK$8,604/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,798/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,022
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$151,992
−HK$4,028/mo
Today · 4.125%
HK$156,020
baseline
▲ 0.50% · 4.625%
HK$164,244
+HK$8,224/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,040/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,731 · Scale 2, in force from 26 Feb 2026)