LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,412
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,696
−HK$2,320/mo
Today · 4.125%
HK$78,016
baseline
▲ 0.50% · 4.625%
HK$82,763
+HK$4,747/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,032/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,670
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,861
−HK$2,222/mo
Today · 4.125%
HK$86,083
baseline
▲ 0.50% · 4.625%
HK$90,620
+HK$4,537/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,166/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,095
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,835
−HK$2,784/mo
Today · 4.125%
HK$93,619
baseline
▲ 0.50% · 4.625%
HK$99,316
+HK$5,697/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,238/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,005
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,633
−HK$2,666/mo
Today · 4.125%
HK$103,299
baseline
▲ 0.50% · 4.625%
HK$108,744
+HK$5,445/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,598/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,777
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,974
−HK$3,248/mo
Today · 4.125%
HK$109,222
baseline
▲ 0.50% · 4.625%
HK$115,868
+HK$6,646/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,444/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,339
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,405
−HK$3,111/mo
Today · 4.125%
HK$120,516
baseline
▲ 0.50% · 4.625%
HK$126,869
+HK$6,353/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,032/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,142
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,253
−HK$4,176/mo
Today · 4.125%
HK$140,429
baseline
▲ 0.50% · 4.625%
HK$148,973
+HK$8,544/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,858/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,007
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,949
−HK$4,000/mo
Today · 4.125%
HK$154,949
baseline
▲ 0.50% · 4.625%
HK$163,117
+HK$8,168/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,898/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,278 · Scale 2, in force from 26 Feb 2026)