LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,452
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,737
−HK$2,321/mo
Today · 4.125%
HK$78,058
baseline
▲ 0.50% · 4.625%
HK$82,808
+HK$4,750/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,116/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,714
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,906
−HK$2,223/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$17.48M (deposit + AVD stamp duty HK$1,369,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,142
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,884
−HK$2,785/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$1,369,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,057
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,687
−HK$2,668/mo
Today · 4.125%
HK$103,355
baseline
▲ 0.50% · 4.625%
HK$108,803
+HK$5,448/mo
Deposit HK$12.88M · loan HK$19.33M · min. income ≈ HK$206,710/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,369,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,833
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$106,031
−HK$3,250/mo
Today · 4.125%
HK$109,281
baseline
▲ 0.50% · 4.625%
HK$115,931
+HK$6,650/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$218,562/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,400
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,468
−HK$3,113/mo
Today · 4.125%
HK$120,581
baseline
▲ 0.50% · 4.625%
HK$126,937
+HK$6,356/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$241,162/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,213
−HK$8,291/mo
▼ 0.25% · 3.875%
HK$136,326
−HK$4,178/mo
Today · 4.125%
HK$140,504
baseline
▲ 0.50% · 4.625%
HK$149,054
+HK$8,550/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$281,008/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,086
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,031
−HK$4,002/mo
Today · 4.125%
HK$155,033
baseline
▲ 0.50% · 4.625%
HK$163,205
+HK$8,172/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$310,066/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,014 · Scale 2, in force from 26 Feb 2026)