LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,039
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,342
−HK$2,340/mo
Today · 4.125%
HK$78,682
baseline
▲ 0.50% · 4.625%
HK$83,470
+HK$4,788/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,364/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,368
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,577
−HK$2,241/mo
Today · 4.125%
HK$86,818
baseline
▲ 0.50% · 4.625%
HK$91,394
+HK$4,576/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,636/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,847
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,611
−HK$2,808/mo
Today · 4.125%
HK$94,419
baseline
▲ 0.50% · 4.625%
HK$100,164
+HK$5,745/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$188,838/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,842
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,492
−HK$2,690/mo
Today · 4.125%
HK$104,182
baseline
▲ 0.50% · 4.625%
HK$109,673
+HK$5,491/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$208,364/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,655
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,879
−HK$3,276/mo
Today · 4.125%
HK$110,155
baseline
▲ 0.50% · 4.625%
HK$116,858
+HK$6,703/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$220,310/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,315
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,408
−HK$3,137/mo
Today · 4.125%
HK$121,545
baseline
▲ 0.50% · 4.625%
HK$127,952
+HK$6,407/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$243,090/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,271
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$137,416
−HK$4,212/mo
Today · 4.125%
HK$141,628
baseline
▲ 0.50% · 4.625%
HK$150,246
+HK$8,618/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,256/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,262
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$152,239
−HK$4,034/mo
Today · 4.125%
HK$156,273
baseline
▲ 0.50% · 4.625%
HK$164,510
+HK$8,237/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,546/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,964 · Scale 2, in force from 26 Feb 2026)