LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,008
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,311
−HK$2,338/mo
Today · 4.125%
HK$78,649
baseline
▲ 0.50% · 4.625%
HK$83,435
+HK$4,786/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,298/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,334
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,542
−HK$2,240/mo
Today · 4.125%
HK$86,782
baseline
▲ 0.50% · 4.625%
HK$91,356
+HK$4,574/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,564/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,810
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,573
−HK$2,806/mo
Today · 4.125%
HK$94,379
baseline
▲ 0.50% · 4.625%
HK$100,122
+HK$5,743/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,758/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,800
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,450
−HK$2,688/mo
Today · 4.125%
HK$104,138
baseline
▲ 0.50% · 4.625%
HK$109,628
+HK$5,490/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,276/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,612
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,835
−HK$3,274/mo
Today · 4.125%
HK$110,109
baseline
▲ 0.50% · 4.625%
HK$116,809
+HK$6,700/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,218/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,267
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,358
−HK$3,137/mo
Today · 4.125%
HK$121,495
baseline
▲ 0.50% · 4.625%
HK$127,899
+HK$6,404/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$242,990/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,215
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$137,359
−HK$4,210/mo
Today · 4.125%
HK$141,569
baseline
▲ 0.50% · 4.625%
HK$150,183
+HK$8,614/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,138/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,201
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,175
−HK$4,032/mo
Today · 4.125%
HK$156,207
baseline
▲ 0.50% · 4.625%
HK$164,441
+HK$8,234/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,414/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,388 · Scale 2, in force from 26 Feb 2026)