LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,422
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,706
−HK$2,320/mo
Today · 4.125%
HK$78,026
baseline
▲ 0.50% · 4.625%
HK$82,774
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,052/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,681
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,872
−HK$2,222/mo
Today · 4.125%
HK$86,094
baseline
▲ 0.50% · 4.625%
HK$90,632
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,188/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,106
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,847
−HK$2,784/mo
Today · 4.125%
HK$93,631
baseline
▲ 0.50% · 4.625%
HK$99,329
+HK$5,698/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,262/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,017
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,646
−HK$2,667/mo
Today · 4.125%
HK$103,313
baseline
▲ 0.50% · 4.625%
HK$108,759
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,626/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,791
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,988
−HK$3,249/mo
Today · 4.125%
HK$109,237
baseline
▲ 0.50% · 4.625%
HK$115,883
+HK$6,646/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,474/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,354
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,420
−HK$3,112/mo
Today · 4.125%
HK$120,532
baseline
▲ 0.50% · 4.625%
HK$126,885
+HK$6,353/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,064/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,159
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,270
−HK$4,177/mo
Today · 4.125%
HK$140,447
baseline
▲ 0.50% · 4.625%
HK$148,993
+HK$8,546/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,894/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,026
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,969
−HK$4,000/mo
Today · 4.125%
HK$154,969
baseline
▲ 0.50% · 4.625%
HK$163,138
+HK$8,169/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,938/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,457 · Scale 2, in force from 26 Feb 2026)