LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,441
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,726
−HK$2,321/mo
Today · 4.125%
HK$78,047
baseline
▲ 0.50% · 4.625%
HK$82,795
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,094/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,702
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,894
−HK$2,223/mo
Today · 4.125%
HK$86,117
baseline
▲ 0.50% · 4.625%
HK$90,656
+HK$4,539/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,234/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,129
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,871
−HK$2,785/mo
Today · 4.125%
HK$93,656
baseline
▲ 0.50% · 4.625%
HK$99,355
+HK$5,699/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,312/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,043
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,672
−HK$2,668/mo
Today · 4.125%
HK$103,340
baseline
▲ 0.50% · 4.625%
HK$108,787
+HK$5,447/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,680/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,818
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,016
−HK$3,249/mo
Today · 4.125%
HK$109,265
baseline
▲ 0.50% · 4.625%
HK$115,914
+HK$6,649/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$218,530/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,383
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,451
−HK$3,112/mo
Today · 4.125%
HK$120,563
baseline
▲ 0.50% · 4.625%
HK$126,918
+HK$6,355/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$241,126/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,194
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,306
−HK$4,178/mo
Today · 4.125%
HK$140,484
baseline
▲ 0.50% · 4.625%
HK$149,032
+HK$8,548/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$280,968/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,064
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$151,009
−HK$4,001/mo
Today · 4.125%
HK$155,010
baseline
▲ 0.50% · 4.625%
HK$163,181
+HK$8,171/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$310,020/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,814 · Scale 2, in force from 26 Feb 2026)