LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,019
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,322
−HK$2,339/mo
Today · 4.125%
HK$78,661
baseline
▲ 0.50% · 4.625%
HK$83,448
+HK$4,787/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,322/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,346
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,554
−HK$2,241/mo
Today · 4.125%
HK$86,795
baseline
▲ 0.50% · 4.625%
HK$91,370
+HK$4,575/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,590/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,823
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,586
−HK$2,807/mo
Today · 4.125%
HK$94,393
baseline
▲ 0.50% · 4.625%
HK$100,137
+HK$5,744/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$188,786/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,815
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,465
−HK$2,689/mo
Today · 4.125%
HK$104,154
baseline
▲ 0.50% · 4.625%
HK$109,644
+HK$5,490/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$208,308/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,627
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,851
−HK$3,275/mo
Today · 4.125%
HK$110,126
baseline
▲ 0.50% · 4.625%
HK$116,827
+HK$6,701/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,252/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,284
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,376
−HK$3,137/mo
Today · 4.125%
HK$121,513
baseline
▲ 0.50% · 4.625%
HK$127,918
+HK$6,405/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$243,026/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,235
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,379
−HK$4,211/mo
Today · 4.125%
HK$141,590
baseline
▲ 0.50% · 4.625%
HK$150,206
+HK$8,616/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,180/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,223
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,198
−HK$4,033/mo
Today · 4.125%
HK$156,231
baseline
▲ 0.50% · 4.625%
HK$164,466
+HK$8,235/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,462/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,595 · Scale 2, in force from 26 Feb 2026)