LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,437
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,722
−HK$2,320/mo
Today · 4.125%
HK$78,042
baseline
▲ 0.50% · 4.625%
HK$82,791
+HK$4,749/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,084/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,698
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,889
−HK$2,223/mo
Today · 4.125%
HK$86,112
baseline
▲ 0.50% · 4.625%
HK$90,651
+HK$4,539/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,224/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,125
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,866
−HK$2,785/mo
Today · 4.125%
HK$93,651
baseline
▲ 0.50% · 4.625%
HK$99,349
+HK$5,698/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,302/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,038
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,667
−HK$2,668/mo
Today · 4.125%
HK$103,335
baseline
▲ 0.50% · 4.625%
HK$108,781
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,670/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,812
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,010
−HK$3,249/mo
Today · 4.125%
HK$109,259
baseline
▲ 0.50% · 4.625%
HK$115,908
+HK$6,649/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,518/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,377
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,445
−HK$3,112/mo
Today · 4.125%
HK$120,557
baseline
▲ 0.50% · 4.625%
HK$126,912
+HK$6,355/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,114/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,187
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,299
−HK$4,177/mo
Today · 4.125%
HK$140,476
baseline
▲ 0.50% · 4.625%
HK$149,024
+HK$8,548/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$280,952/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,057
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$151,001
−HK$4,001/mo
Today · 4.125%
HK$155,002
baseline
▲ 0.50% · 4.625%
HK$163,172
+HK$8,170/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$310,004/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,743 · Scale 2, in force from 26 Feb 2026)