LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,451
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,736
−HK$2,321/mo
Today · 4.125%
HK$78,057
baseline
▲ 0.50% · 4.625%
HK$82,807
+HK$4,750/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,114/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,714
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,905
−HK$2,224/mo
Today · 4.125%
HK$86,129
baseline
▲ 0.50% · 4.625%
HK$90,669
+HK$4,540/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,258/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,142
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,883
−HK$2,786/mo
Today · 4.125%
HK$93,669
baseline
▲ 0.50% · 4.625%
HK$99,369
+HK$5,700/mo
Deposit HK$12.88M · loan HK$19.33M · min. income ≈ HK$187,338/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,057
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,687
−HK$2,667/mo
Today · 4.125%
HK$103,354
baseline
▲ 0.50% · 4.625%
HK$108,802
+HK$5,448/mo
Deposit HK$12.88M · loan HK$19.33M · min. income ≈ HK$206,708/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,832
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,031
−HK$3,249/mo
Today · 4.125%
HK$109,280
baseline
▲ 0.50% · 4.625%
HK$115,930
+HK$6,650/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$218,560/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,400
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,468
−HK$3,112/mo
Today · 4.125%
HK$120,580
baseline
▲ 0.50% · 4.625%
HK$126,936
+HK$6,356/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$241,160/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,213
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,325
−HK$4,178/mo
Today · 4.125%
HK$140,503
baseline
▲ 0.50% · 4.625%
HK$149,053
+HK$8,550/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$281,006/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,085
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,030
−HK$4,002/mo
Today · 4.125%
HK$155,032
baseline
▲ 0.50% · 4.625%
HK$163,204
+HK$8,172/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$310,064/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,007 · Scale 2, in force from 26 Feb 2026)