LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,926
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,225
−HK$2,336/mo
Today · 4.125%
HK$78,561
baseline
▲ 0.50% · 4.625%
HK$83,342
+HK$4,781/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,122/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,241
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,447
−HK$2,238/mo
Today · 4.125%
HK$86,685
baseline
▲ 0.50% · 4.625%
HK$91,254
+HK$4,569/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,370/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,711
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,470
−HK$2,804/mo
Today · 4.125%
HK$94,274
baseline
▲ 0.50% · 4.625%
HK$100,010
+HK$5,736/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,548/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,690
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,336
−HK$2,686/mo
Today · 4.125%
HK$104,022
baseline
▲ 0.50% · 4.625%
HK$109,505
+HK$5,483/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,044/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,496
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,715
−HK$3,271/mo
Today · 4.125%
HK$109,986
baseline
▲ 0.50% · 4.625%
HK$116,678
+HK$6,692/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$219,972/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,138
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,226
−HK$3,133/mo
Today · 4.125%
HK$121,359
baseline
▲ 0.50% · 4.625%
HK$127,755
+HK$6,396/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$242,718/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,066
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$137,205
−HK$4,205/mo
Today · 4.125%
HK$141,410
baseline
▲ 0.50% · 4.625%
HK$150,015
+HK$8,605/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,820/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,035
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$152,005
−HK$4,027/mo
Today · 4.125%
HK$156,032
baseline
▲ 0.50% · 4.625%
HK$164,257
+HK$8,225/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,064/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,843 · Scale 2, in force from 26 Feb 2026)