LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,496
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,782
−HK$2,322/mo
Today · 4.125%
HK$78,104
baseline
▲ 0.50% · 4.625%
HK$82,857
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,208/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,763
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,956
−HK$2,225/mo
Today · 4.125%
HK$86,181
baseline
▲ 0.50% · 4.625%
HK$90,723
+HK$4,542/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,362/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,195
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,938
−HK$2,787/mo
Today · 4.125%
HK$93,725
baseline
▲ 0.50% · 4.625%
HK$99,428
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,450/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,116
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,747
−HK$2,670/mo
Today · 4.125%
HK$103,417
baseline
▲ 0.50% · 4.625%
HK$108,868
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,834/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,894
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,094
−HK$3,252/mo
Today · 4.125%
HK$109,346
baseline
▲ 0.50% · 4.625%
HK$116,000
+HK$6,654/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,692/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,468
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,538
−HK$3,115/mo
Today · 4.125%
HK$120,653
baseline
▲ 0.50% · 4.625%
HK$127,013
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,306/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,292
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,407
−HK$4,181/mo
Today · 4.125%
HK$140,588
baseline
▲ 0.50% · 4.625%
HK$149,142
+HK$8,554/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,176/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,174
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,121
−HK$4,004/mo
Today · 4.125%
HK$155,125
baseline
▲ 0.50% · 4.625%
HK$163,302
+HK$8,177/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,250/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,831 · Scale 2, in force from 26 Feb 2026)