LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,464
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,321/mo
Today · 4.125%
HK$78,070
baseline
▲ 0.50% · 4.625%
HK$82,821
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,140/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,727
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,919
−HK$2,224/mo
Today · 4.125%
HK$86,143
baseline
▲ 0.50% · 4.625%
HK$90,684
+HK$4,541/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,286/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,156
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,898
−HK$2,786/mo
Today · 4.125%
HK$93,684
baseline
▲ 0.50% · 4.625%
HK$99,385
+HK$5,701/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,368/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,073
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,703
−HK$2,669/mo
Today · 4.125%
HK$103,372
baseline
▲ 0.50% · 4.625%
HK$108,820
+HK$5,448/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,744/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,849
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,048
−HK$3,251/mo
Today · 4.125%
HK$109,299
baseline
▲ 0.50% · 4.625%
HK$115,949
+HK$6,650/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$218,598/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,418
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,487
−HK$3,113/mo
Today · 4.125%
HK$120,600
baseline
▲ 0.50% · 4.625%
HK$126,957
+HK$6,357/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$241,200/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,234
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,348
−HK$4,179/mo
Today · 4.125%
HK$140,527
baseline
▲ 0.50% · 4.625%
HK$149,077
+HK$8,550/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,054/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,109
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,055
−HK$4,002/mo
Today · 4.125%
HK$155,057
baseline
▲ 0.50% · 4.625%
HK$163,231
+HK$8,174/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,114/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,233 · Scale 2, in force from 26 Feb 2026)