LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,435
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,719
−HK$2,321/mo
Today · 4.125%
HK$78,040
baseline
▲ 0.50% · 4.625%
HK$82,789
+HK$4,749/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,080/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,696
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,887
−HK$2,222/mo
Today · 4.125%
HK$86,109
baseline
▲ 0.50% · 4.625%
HK$90,648
+HK$4,539/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,218/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,122
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,863
−HK$2,785/mo
Today · 4.125%
HK$93,648
baseline
▲ 0.50% · 4.625%
HK$99,346
+HK$5,698/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,296/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,035
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,664
−HK$2,667/mo
Today · 4.125%
HK$103,331
baseline
▲ 0.50% · 4.625%
HK$108,778
+HK$5,447/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,662/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,809
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,007
−HK$3,249/mo
Today · 4.125%
HK$109,256
baseline
▲ 0.50% · 4.625%
HK$115,904
+HK$6,648/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,512/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,374
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,441
−HK$3,112/mo
Today · 4.125%
HK$120,553
baseline
▲ 0.50% · 4.625%
HK$126,908
+HK$6,355/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,106/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,183
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,295
−HK$4,177/mo
Today · 4.125%
HK$140,472
baseline
▲ 0.50% · 4.625%
HK$149,019
+HK$8,547/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,944/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,052
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$150,996
−HK$4,001/mo
Today · 4.125%
HK$154,997
baseline
▲ 0.50% · 4.625%
HK$163,167
+HK$8,170/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,994/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,701 · Scale 2, in force from 26 Feb 2026)