LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,953
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,254
−HK$2,337/mo
Today · 4.125%
HK$78,591
baseline
▲ 0.50% · 4.625%
HK$83,373
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,182/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,272
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,479
−HK$2,238/mo
Today · 4.125%
HK$86,717
baseline
▲ 0.50% · 4.625%
HK$91,288
+HK$4,571/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,434/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,744
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,505
−HK$2,804/mo
Today · 4.125%
HK$94,309
baseline
▲ 0.50% · 4.625%
HK$100,048
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,618/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,727
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,375
−HK$2,686/mo
Today · 4.125%
HK$104,061
baseline
▲ 0.50% · 4.625%
HK$109,546
+HK$5,485/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,122/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,535
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,755
−HK$3,272/mo
Today · 4.125%
HK$110,027
baseline
▲ 0.50% · 4.625%
HK$116,722
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,054/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,181
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,271
−HK$3,133/mo
Today · 4.125%
HK$121,404
baseline
▲ 0.50% · 4.625%
HK$127,804
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,808/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,116
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,257
−HK$4,207/mo
Today · 4.125%
HK$141,464
baseline
▲ 0.50% · 4.625%
HK$150,071
+HK$8,607/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,928/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,090
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,062
−HK$4,029/mo
Today · 4.125%
HK$156,091
baseline
▲ 0.50% · 4.625%
HK$164,319
+HK$8,228/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,182/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,363 · Scale 2, in force from 26 Feb 2026)