LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,419
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,703
−HK$2,320/mo
Today · 4.125%
HK$78,023
baseline
▲ 0.50% · 4.625%
HK$82,771
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,046/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,678
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,869
−HK$2,222/mo
Today · 4.125%
HK$86,091
baseline
▲ 0.50% · 4.625%
HK$90,629
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,182/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,103
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,844
−HK$2,784/mo
Today · 4.125%
HK$93,628
baseline
▲ 0.50% · 4.625%
HK$99,325
+HK$5,697/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,256/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,014
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,643
−HK$2,666/mo
Today · 4.125%
HK$103,309
baseline
▲ 0.50% · 4.625%
HK$108,755
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,618/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,787
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,984
−HK$3,249/mo
Today · 4.125%
HK$109,233
baseline
▲ 0.50% · 4.625%
HK$115,879
+HK$6,646/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,466/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,350
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,416
−HK$3,111/mo
Today · 4.125%
HK$120,527
baseline
▲ 0.50% · 4.625%
HK$126,881
+HK$6,354/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,054/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,155
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,266
−HK$4,176/mo
Today · 4.125%
HK$140,442
baseline
▲ 0.50% · 4.625%
HK$148,988
+HK$8,546/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,884/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,021
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,964
−HK$4,000/mo
Today · 4.125%
HK$154,964
baseline
▲ 0.50% · 4.625%
HK$163,132
+HK$8,168/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,928/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,408 · Scale 2, in force from 26 Feb 2026)