LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,931
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,231
−HK$2,337/mo
Today · 4.125%
HK$78,568
baseline
▲ 0.50% · 4.625%
HK$83,348
+HK$4,780/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,136/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,248
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,454
−HK$2,237/mo
Today · 4.125%
HK$86,691
baseline
▲ 0.50% · 4.625%
HK$91,261
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,382/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,718
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,477
−HK$2,804/mo
Today · 4.125%
HK$94,281
baseline
▲ 0.50% · 4.625%
HK$100,018
+HK$5,737/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,562/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,697
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,344
−HK$2,686/mo
Today · 4.125%
HK$104,030
baseline
▲ 0.50% · 4.625%
HK$109,513
+HK$5,483/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,060/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,504
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,723
−HK$3,272/mo
Today · 4.125%
HK$109,995
baseline
▲ 0.50% · 4.625%
HK$116,687
+HK$6,692/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$219,990/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,147
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,235
−HK$3,133/mo
Today · 4.125%
HK$121,368
baseline
▲ 0.50% · 4.625%
HK$127,766
+HK$6,398/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,736/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,076
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,216
−HK$4,206/mo
Today · 4.125%
HK$141,422
baseline
▲ 0.50% · 4.625%
HK$150,027
+HK$8,605/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,844/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,046
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,017
−HK$4,028/mo
Today · 4.125%
HK$156,045
baseline
▲ 0.50% · 4.625%
HK$164,270
+HK$8,225/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,090/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,952 · Scale 2, in force from 26 Feb 2026)