LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,488
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,774
−HK$2,323/mo
Today · 4.125%
HK$78,097
baseline
▲ 0.50% · 4.625%
HK$82,849
+HK$4,752/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,194/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,755
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,948
−HK$2,224/mo
Today · 4.125%
HK$86,172
baseline
▲ 0.50% · 4.625%
HK$90,714
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,344/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,186
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,929
−HK$2,787/mo
Today · 4.125%
HK$93,716
baseline
▲ 0.50% · 4.625%
HK$99,418
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,432/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,106
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,737
−HK$2,669/mo
Today · 4.125%
HK$103,406
baseline
▲ 0.50% · 4.625%
HK$108,857
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,812/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,884
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,084
−HK$3,251/mo
Today · 4.125%
HK$109,335
baseline
▲ 0.50% · 4.625%
HK$115,988
+HK$6,653/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,670/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,457
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,527
−HK$3,114/mo
Today · 4.125%
HK$120,641
baseline
▲ 0.50% · 4.625%
HK$127,000
+HK$6,359/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,282/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,279
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,393
−HK$4,181/mo
Today · 4.125%
HK$140,574
baseline
▲ 0.50% · 4.625%
HK$149,127
+HK$8,553/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,148/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,159
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,106
−HK$4,003/mo
Today · 4.125%
HK$155,109
baseline
▲ 0.50% · 4.625%
HK$163,285
+HK$8,176/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,218/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,693 · Scale 2, in force from 26 Feb 2026)