LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,487
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,773
−HK$2,322/mo
Today · 4.125%
HK$78,095
baseline
▲ 0.50% · 4.625%
HK$82,847
+HK$4,752/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,190/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,753
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,946
−HK$2,224/mo
Today · 4.125%
HK$86,170
baseline
▲ 0.50% · 4.625%
HK$90,712
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,340/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,184
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,927
−HK$2,787/mo
Today · 4.125%
HK$93,714
baseline
▲ 0.50% · 4.625%
HK$99,416
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,428/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,104
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,735
−HK$2,669/mo
Today · 4.125%
HK$103,404
baseline
▲ 0.50% · 4.625%
HK$108,855
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,808/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,881
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,082
−HK$3,251/mo
Today · 4.125%
HK$109,333
baseline
▲ 0.50% · 4.625%
HK$115,986
+HK$6,653/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,666/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,454
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,524
−HK$3,114/mo
Today · 4.125%
HK$120,638
baseline
▲ 0.50% · 4.625%
HK$126,997
+HK$6,359/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,276/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,276
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,391
−HK$4,180/mo
Today · 4.125%
HK$140,571
baseline
▲ 0.50% · 4.625%
HK$149,124
+HK$8,553/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,142/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,156
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,102
−HK$4,004/mo
Today · 4.125%
HK$155,106
baseline
▲ 0.50% · 4.625%
HK$163,282
+HK$8,176/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,212/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,664 · Scale 2, in force from 26 Feb 2026)