LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,941
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,241
−HK$2,337/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,781/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,258
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,465
−HK$2,238/mo
Today · 4.125%
HK$86,703
baseline
▲ 0.50% · 4.625%
HK$91,273
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,406/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,729
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,489
−HK$2,804/mo
Today · 4.125%
HK$94,293
baseline
▲ 0.50% · 4.625%
HK$100,031
+HK$5,738/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,586/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,357
−HK$2,686/mo
Today · 4.125%
HK$104,043
baseline
▲ 0.50% · 4.625%
HK$109,527
+HK$5,484/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,086/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,517
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,737
−HK$3,272/mo
Today · 4.125%
HK$110,009
baseline
▲ 0.50% · 4.625%
HK$116,702
+HK$6,693/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,018/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,162
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,250
−HK$3,134/mo
Today · 4.125%
HK$121,384
baseline
▲ 0.50% · 4.625%
HK$127,782
+HK$6,398/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,768/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,093
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$137,233
−HK$4,207/mo
Today · 4.125%
HK$141,440
baseline
▲ 0.50% · 4.625%
HK$150,046
+HK$8,606/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,880/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,065
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$152,036
−HK$4,029/mo
Today · 4.125%
HK$156,065
baseline
▲ 0.50% · 4.625%
HK$164,291
+HK$8,226/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,130/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,128 · Scale 2, in force from 26 Feb 2026)