LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,476
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,762
−HK$2,322/mo
Today · 4.125%
HK$78,084
baseline
▲ 0.50% · 4.625%
HK$82,835
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,168/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,742
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,934
−HK$2,224/mo
Today · 4.125%
HK$86,158
baseline
▲ 0.50% · 4.625%
HK$90,700
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,316/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,172
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,914
−HK$2,787/mo
Today · 4.125%
HK$93,701
baseline
▲ 0.50% · 4.625%
HK$99,402
+HK$5,701/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,402/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,090
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,721
−HK$2,669/mo
Today · 4.125%
HK$103,390
baseline
▲ 0.50% · 4.625%
HK$108,839
+HK$5,449/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,780/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,867
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,067
−HK$3,251/mo
Today · 4.125%
HK$109,318
baseline
▲ 0.50% · 4.625%
HK$115,969
+HK$6,651/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,636/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,439
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,508
−HK$3,113/mo
Today · 4.125%
HK$120,621
baseline
▲ 0.50% · 4.625%
HK$126,979
+HK$6,358/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,242/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,258
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,372
−HK$4,179/mo
Today · 4.125%
HK$140,551
baseline
▲ 0.50% · 4.625%
HK$149,103
+HK$8,552/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,102/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,135
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,081
−HK$4,003/mo
Today · 4.125%
HK$155,084
baseline
▲ 0.50% · 4.625%
HK$163,259
+HK$8,175/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,168/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,473 · Scale 2, in force from 26 Feb 2026)