LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,494
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,780
−HK$2,323/mo
Today · 4.125%
HK$78,103
baseline
▲ 0.50% · 4.625%
HK$82,855
+HK$4,752/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,206/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,762
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,955
−HK$2,224/mo
Today · 4.125%
HK$86,179
baseline
▲ 0.50% · 4.625%
HK$90,722
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,358/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,193
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,937
−HK$2,787/mo
Today · 4.125%
HK$93,724
baseline
▲ 0.50% · 4.625%
HK$99,427
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,448/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,114
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,745
−HK$2,670/mo
Today · 4.125%
HK$103,415
baseline
▲ 0.50% · 4.625%
HK$108,866
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,830/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,892
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,093
−HK$3,251/mo
Today · 4.125%
HK$109,344
baseline
▲ 0.50% · 4.625%
HK$115,998
+HK$6,654/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,688/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,466
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,536
−HK$3,115/mo
Today · 4.125%
HK$120,651
baseline
▲ 0.50% · 4.625%
HK$127,010
+HK$6,359/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,302/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,290
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,405
−HK$4,181/mo
Today · 4.125%
HK$140,586
baseline
▲ 0.50% · 4.625%
HK$149,140
+HK$8,554/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,172/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,171
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,118
−HK$4,004/mo
Today · 4.125%
HK$155,122
baseline
▲ 0.50% · 4.625%
HK$163,299
+HK$8,177/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,244/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,807 · Scale 2, in force from 26 Feb 2026)