LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,405
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,688
−HK$2,320/mo
Today · 4.125%
HK$78,008
baseline
▲ 0.50% · 4.625%
HK$82,755
+HK$4,747/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,016/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,662
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,853
−HK$2,221/mo
Today · 4.125%
HK$86,074
baseline
▲ 0.50% · 4.625%
HK$90,612
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,148/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,086
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,826
−HK$2,784/mo
Today · 4.125%
HK$93,610
baseline
▲ 0.50% · 4.625%
HK$99,306
+HK$5,696/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$187,220/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,995
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,623
−HK$2,666/mo
Today · 4.125%
HK$103,289
baseline
▲ 0.50% · 4.625%
HK$108,734
+HK$5,445/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$206,578/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,767
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,964
−HK$3,248/mo
Today · 4.125%
HK$109,212
baseline
▲ 0.50% · 4.625%
HK$115,857
+HK$6,645/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,424/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,327
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,394
−HK$3,110/mo
Today · 4.125%
HK$120,504
baseline
▲ 0.50% · 4.625%
HK$126,856
+HK$6,352/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$241,008/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,129
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$136,239
−HK$4,176/mo
Today · 4.125%
HK$140,415
baseline
▲ 0.50% · 4.625%
HK$148,959
+HK$8,544/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,830/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,992
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,935
−HK$3,999/mo
Today · 4.125%
HK$154,934
baseline
▲ 0.50% · 4.625%
HK$163,101
+HK$8,167/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,868/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,144 · Scale 2, in force from 26 Feb 2026)