LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,471
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,756
−HK$2,322/mo
Today · 4.125%
HK$78,078
baseline
▲ 0.50% · 4.625%
HK$82,829
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,156/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,735
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,927
−HK$2,224/mo
Today · 4.125%
HK$86,151
baseline
▲ 0.50% · 4.625%
HK$90,692
+HK$4,541/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,302/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,165
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,907
−HK$2,786/mo
Today · 4.125%
HK$93,693
baseline
▲ 0.50% · 4.625%
HK$99,394
+HK$5,701/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,386/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,082
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,713
−HK$2,668/mo
Today · 4.125%
HK$103,381
baseline
▲ 0.50% · 4.625%
HK$108,831
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,762/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,859
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,058
−HK$3,251/mo
Today · 4.125%
HK$109,309
baseline
▲ 0.50% · 4.625%
HK$115,960
+HK$6,651/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$218,618/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,429
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,498
−HK$3,114/mo
Today · 4.125%
HK$120,612
baseline
▲ 0.50% · 4.625%
HK$126,969
+HK$6,357/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$241,224/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,247
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,361
−HK$4,179/mo
Today · 4.125%
HK$140,540
baseline
▲ 0.50% · 4.625%
HK$149,092
+HK$8,552/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,080/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,123
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,069
−HK$4,003/mo
Today · 4.125%
HK$155,072
baseline
▲ 0.50% · 4.625%
HK$163,246
+HK$8,174/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,144/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,363 · Scale 2, in force from 26 Feb 2026)