LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,925
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,224
−HK$2,336/mo
Today · 4.125%
HK$78,560
baseline
▲ 0.50% · 4.625%
HK$83,340
+HK$4,780/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,120/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,240
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,446
−HK$2,237/mo
Today · 4.125%
HK$86,683
baseline
▲ 0.50% · 4.625%
HK$91,253
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,366/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,709
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,469
−HK$2,803/mo
Today · 4.125%
HK$94,272
baseline
▲ 0.50% · 4.625%
HK$100,009
+HK$5,737/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,544/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,688
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,335
−HK$2,685/mo
Today · 4.125%
HK$104,020
baseline
▲ 0.50% · 4.625%
HK$109,503
+HK$5,483/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,040/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,494
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,714
−HK$3,270/mo
Today · 4.125%
HK$109,984
baseline
▲ 0.50% · 4.625%
HK$116,677
+HK$6,693/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$219,968/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,136
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,224
−HK$3,133/mo
Today · 4.125%
HK$121,357
baseline
▲ 0.50% · 4.625%
HK$127,754
+HK$6,397/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$242,714/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,064
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$137,203
−HK$4,205/mo
Today · 4.125%
HK$141,408
baseline
▲ 0.50% · 4.625%
HK$150,013
+HK$8,605/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,816/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,033
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$152,003
−HK$4,027/mo
Today · 4.125%
HK$156,030
baseline
▲ 0.50% · 4.625%
HK$164,255
+HK$8,225/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,060/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,824 · Scale 2, in force from 26 Feb 2026)