LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,946
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,246
−HK$2,337/mo
Today · 4.125%
HK$78,583
baseline
▲ 0.50% · 4.625%
HK$83,365
+HK$4,782/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,166/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,264
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,470
−HK$2,239/mo
Today · 4.125%
HK$86,709
baseline
▲ 0.50% · 4.625%
HK$91,279
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,418/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,735
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,495
−HK$2,805/mo
Today · 4.125%
HK$94,300
baseline
▲ 0.50% · 4.625%
HK$100,038
+HK$5,738/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,600/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,717
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,365
−HK$2,685/mo
Today · 4.125%
HK$104,050
baseline
▲ 0.50% · 4.625%
HK$109,535
+HK$5,485/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,100/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,524
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,745
−HK$3,271/mo
Today · 4.125%
HK$110,016
baseline
▲ 0.50% · 4.625%
HK$116,711
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,032/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,170
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,259
−HK$3,133/mo
Today · 4.125%
HK$121,392
baseline
▲ 0.50% · 4.625%
HK$127,791
+HK$6,399/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,784/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,103
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$137,243
−HK$4,207/mo
Today · 4.125%
HK$141,450
baseline
▲ 0.50% · 4.625%
HK$150,056
+HK$8,606/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,900/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,076
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$152,047
−HK$4,029/mo
Today · 4.125%
HK$156,076
baseline
▲ 0.50% · 4.625%
HK$164,303
+HK$8,227/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,152/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,225 · Scale 2, in force from 26 Feb 2026)