LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,962
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,262
−HK$2,338/mo
Today · 4.125%
HK$78,600
baseline
▲ 0.50% · 4.625%
HK$83,382
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,200/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,282
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,488
−HK$2,239/mo
Today · 4.125%
HK$86,727
baseline
▲ 0.50% · 4.625%
HK$91,298
+HK$4,571/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,454/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,754
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,515
−HK$2,805/mo
Today · 4.125%
HK$94,320
baseline
▲ 0.50% · 4.625%
HK$100,059
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,640/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,738
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,386
−HK$2,686/mo
Today · 4.125%
HK$104,072
baseline
▲ 0.50% · 4.625%
HK$109,558
+HK$5,486/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,144/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,546
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,767
−HK$3,273/mo
Today · 4.125%
HK$110,040
baseline
▲ 0.50% · 4.625%
HK$116,735
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,080/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,194
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,284
−HK$3,134/mo
Today · 4.125%
HK$121,418
baseline
▲ 0.50% · 4.625%
HK$127,818
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,836/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,131
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,272
−HK$4,207/mo
Today · 4.125%
HK$141,479
baseline
▲ 0.50% · 4.625%
HK$150,088
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,958/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,107
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,079
−HK$4,030/mo
Today · 4.125%
HK$156,109
baseline
▲ 0.50% · 4.625%
HK$164,337
+HK$8,228/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,218/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,516 · Scale 2, in force from 26 Feb 2026)