LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,465
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,751
−HK$2,321/mo
Today · 4.125%
HK$78,072
baseline
▲ 0.50% · 4.625%
HK$82,823
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,144/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,730
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,921
−HK$2,224/mo
Today · 4.125%
HK$86,145
baseline
▲ 0.50% · 4.625%
HK$90,686
+HK$4,541/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,290/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,158
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,901
−HK$2,786/mo
Today · 4.125%
HK$93,687
baseline
▲ 0.50% · 4.625%
HK$99,387
+HK$5,700/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,374/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,075
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,706
−HK$2,668/mo
Today · 4.125%
HK$103,374
baseline
▲ 0.50% · 4.625%
HK$108,823
+HK$5,449/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,748/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,852
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,051
−HK$3,250/mo
Today · 4.125%
HK$109,301
baseline
▲ 0.50% · 4.625%
HK$115,952
+HK$6,651/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$218,602/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,421
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,490
−HK$3,113/mo
Today · 4.125%
HK$120,603
baseline
▲ 0.50% · 4.625%
HK$126,960
+HK$6,357/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$241,206/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,238
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,351
−HK$4,179/mo
Today · 4.125%
HK$140,530
baseline
▲ 0.50% · 4.625%
HK$149,081
+HK$8,551/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,060/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,113
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,059
−HK$4,002/mo
Today · 4.125%
HK$155,061
baseline
▲ 0.50% · 4.625%
HK$163,235
+HK$8,174/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,122/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,267 · Scale 2, in force from 26 Feb 2026)