LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,421
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,705
−HK$2,320/mo
Today · 4.125%
HK$78,025
baseline
▲ 0.50% · 4.625%
HK$82,773
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,050/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,680
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,871
−HK$2,222/mo
Today · 4.125%
HK$86,093
baseline
▲ 0.50% · 4.625%
HK$90,631
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,186/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,105
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,846
−HK$2,784/mo
Today · 4.125%
HK$93,630
baseline
▲ 0.50% · 4.625%
HK$99,327
+HK$5,697/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,260/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,016
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,645
−HK$2,667/mo
Today · 4.125%
HK$103,312
baseline
▲ 0.50% · 4.625%
HK$108,757
+HK$5,445/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,624/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,789
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,987
−HK$3,248/mo
Today · 4.125%
HK$109,235
baseline
▲ 0.50% · 4.625%
HK$115,882
+HK$6,647/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,470/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,352
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,419
−HK$3,111/mo
Today · 4.125%
HK$120,530
baseline
▲ 0.50% · 4.625%
HK$126,884
+HK$6,354/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,060/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,158
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,269
−HK$4,176/mo
Today · 4.125%
HK$140,445
baseline
▲ 0.50% · 4.625%
HK$148,991
+HK$8,546/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,890/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,024
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,967
−HK$4,000/mo
Today · 4.125%
HK$154,967
baseline
▲ 0.50% · 4.625%
HK$163,136
+HK$8,169/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,934/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,440 · Scale 2, in force from 26 Feb 2026)