LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,468
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,753
−HK$2,322/mo
Today · 4.125%
HK$78,075
baseline
▲ 0.50% · 4.625%
HK$82,825
+HK$4,750/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,150/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,732
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,924
−HK$2,224/mo
Today · 4.125%
HK$86,148
baseline
▲ 0.50% · 4.625%
HK$90,689
+HK$4,541/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,296/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,161
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,903
−HK$2,787/mo
Today · 4.125%
HK$93,690
baseline
▲ 0.50% · 4.625%
HK$99,390
+HK$5,700/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,380/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,078
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,709
−HK$2,668/mo
Today · 4.125%
HK$103,377
baseline
▲ 0.50% · 4.625%
HK$108,826
+HK$5,449/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,754/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,855
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,054
−HK$3,250/mo
Today · 4.125%
HK$109,304
baseline
▲ 0.50% · 4.625%
HK$115,955
+HK$6,651/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$218,608/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,425
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,494
−HK$3,113/mo
Today · 4.125%
HK$120,607
baseline
▲ 0.50% · 4.625%
HK$126,964
+HK$6,357/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$241,214/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,242
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,355
−HK$4,179/mo
Today · 4.125%
HK$140,534
baseline
▲ 0.50% · 4.625%
HK$149,086
+HK$8,552/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,068/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,117
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,063
−HK$4,003/mo
Today · 4.125%
HK$155,066
baseline
▲ 0.50% · 4.625%
HK$163,239
+HK$8,173/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,132/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,308 · Scale 2, in force from 26 Feb 2026)