LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,435
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,720
−HK$2,321/mo
Today · 4.125%
HK$78,041
baseline
▲ 0.50% · 4.625%
HK$82,789
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,082/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,696
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,887
−HK$2,223/mo
Today · 4.125%
HK$86,110
baseline
▲ 0.50% · 4.625%
HK$90,649
+HK$4,539/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,220/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,123
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,864
−HK$2,785/mo
Today · 4.125%
HK$93,649
baseline
▲ 0.50% · 4.625%
HK$99,347
+HK$5,698/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,298/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,035
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,665
−HK$2,667/mo
Today · 4.125%
HK$103,332
baseline
▲ 0.50% · 4.625%
HK$108,779
+HK$5,447/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,664/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,810
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,008
−HK$3,249/mo
Today · 4.125%
HK$109,257
baseline
▲ 0.50% · 4.625%
HK$115,905
+HK$6,648/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,514/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,375
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,442
−HK$3,112/mo
Today · 4.125%
HK$120,554
baseline
▲ 0.50% · 4.625%
HK$126,909
+HK$6,355/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,108/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,184
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,296
−HK$4,177/mo
Today · 4.125%
HK$140,473
baseline
▲ 0.50% · 4.625%
HK$149,020
+HK$8,547/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,946/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,053
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$150,997
−HK$4,001/mo
Today · 4.125%
HK$154,998
baseline
▲ 0.50% · 4.625%
HK$163,168
+HK$8,170/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,996/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,710 · Scale 2, in force from 26 Feb 2026)