LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,478
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,764
−HK$2,322/mo
Today · 4.125%
HK$78,086
baseline
▲ 0.50% · 4.625%
HK$82,837
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,172/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,744
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,936
−HK$2,224/mo
Today · 4.125%
HK$86,160
baseline
▲ 0.50% · 4.625%
HK$90,702
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,320/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,174
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,917
−HK$2,786/mo
Today · 4.125%
HK$93,703
baseline
▲ 0.50% · 4.625%
HK$99,405
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,406/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,093
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,723
−HK$2,669/mo
Today · 4.125%
HK$103,392
baseline
▲ 0.50% · 4.625%
HK$108,842
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,784/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,870
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,069
−HK$3,251/mo
Today · 4.125%
HK$109,320
baseline
▲ 0.50% · 4.625%
HK$115,972
+HK$6,652/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,640/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,441
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,511
−HK$3,113/mo
Today · 4.125%
HK$120,624
baseline
▲ 0.50% · 4.625%
HK$126,982
+HK$6,358/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,248/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,261
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,375
−HK$4,180/mo
Today · 4.125%
HK$140,555
baseline
▲ 0.50% · 4.625%
HK$149,107
+HK$8,552/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,110/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,139
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,085
−HK$4,003/mo
Today · 4.125%
HK$155,088
baseline
▲ 0.50% · 4.625%
HK$163,263
+HK$8,175/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,176/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,506 · Scale 2, in force from 26 Feb 2026)