LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,493
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,779
−HK$2,322/mo
Today · 4.125%
HK$78,101
baseline
▲ 0.50% · 4.625%
HK$82,854
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,202/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,760
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,953
−HK$2,224/mo
Today · 4.125%
HK$86,177
baseline
▲ 0.50% · 4.625%
HK$90,720
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,354/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,191
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,935
−HK$2,787/mo
Today · 4.125%
HK$93,722
baseline
▲ 0.50% · 4.625%
HK$99,424
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,444/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,112
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,743
−HK$2,670/mo
Today · 4.125%
HK$103,413
baseline
▲ 0.50% · 4.625%
HK$108,864
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,826/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,890
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,090
−HK$3,252/mo
Today · 4.125%
HK$109,342
baseline
▲ 0.50% · 4.625%
HK$115,995
+HK$6,653/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,684/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,464
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,534
−HK$3,114/mo
Today · 4.125%
HK$120,648
baseline
▲ 0.50% · 4.625%
HK$127,008
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,296/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,287
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,402
−HK$4,181/mo
Today · 4.125%
HK$140,583
baseline
▲ 0.50% · 4.625%
HK$149,137
+HK$8,554/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,166/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,168
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,115
−HK$4,004/mo
Today · 4.125%
HK$155,119
baseline
▲ 0.50% · 4.625%
HK$163,296
+HK$8,177/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,238/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,778 · Scale 2, in force from 26 Feb 2026)