LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,428
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,713
−HK$2,320/mo
Today · 4.125%
HK$78,033
baseline
▲ 0.50% · 4.625%
HK$82,781
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,066/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,688
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,879
−HK$2,223/mo
Today · 4.125%
HK$86,102
baseline
▲ 0.50% · 4.625%
HK$90,640
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,204/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,114
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,855
−HK$2,785/mo
Today · 4.125%
HK$93,640
baseline
▲ 0.50% · 4.625%
HK$99,337
+HK$5,697/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,280/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,026
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,655
−HK$2,667/mo
Today · 4.125%
HK$103,322
baseline
▲ 0.50% · 4.625%
HK$108,768
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,644/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,800
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,998
−HK$3,248/mo
Today · 4.125%
HK$109,246
baseline
▲ 0.50% · 4.625%
HK$115,894
+HK$6,648/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,492/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,364
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,431
−HK$3,112/mo
Today · 4.125%
HK$120,543
baseline
▲ 0.50% · 4.625%
HK$126,897
+HK$6,354/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,086/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,171
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,283
−HK$4,177/mo
Today · 4.125%
HK$140,460
baseline
▲ 0.50% · 4.625%
HK$149,006
+HK$8,546/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,920/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,039
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,983
−HK$4,000/mo
Today · 4.125%
HK$154,983
baseline
▲ 0.50% · 4.625%
HK$163,153
+HK$8,170/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,966/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,579 · Scale 2, in force from 26 Feb 2026)