LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,501
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,787
−HK$2,323/mo
Today · 4.125%
HK$78,110
baseline
▲ 0.50% · 4.625%
HK$82,862
+HK$4,752/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,220/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,769
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,962
−HK$2,224/mo
Today · 4.125%
HK$86,186
baseline
▲ 0.50% · 4.625%
HK$90,729
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,372/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,201
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,944
−HK$2,788/mo
Today · 4.125%
HK$93,732
baseline
▲ 0.50% · 4.625%
HK$99,435
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,464/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,122
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,754
−HK$2,670/mo
Today · 4.125%
HK$103,424
baseline
▲ 0.50% · 4.625%
HK$108,875
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,848/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,901
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,102
−HK$3,252/mo
Today · 4.125%
HK$109,354
baseline
▲ 0.50% · 4.625%
HK$116,007
+HK$6,653/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,708/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,476
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,546
−HK$3,115/mo
Today · 4.125%
HK$120,661
baseline
▲ 0.50% · 4.625%
HK$127,021
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,322/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,301
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,416
−HK$4,181/mo
Today · 4.125%
HK$140,597
baseline
▲ 0.50% · 4.625%
HK$149,152
+HK$8,555/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,194/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,183
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,131
−HK$4,004/mo
Today · 4.125%
HK$155,135
baseline
▲ 0.50% · 4.625%
HK$163,313
+HK$8,178/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,270/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,922 · Scale 2, in force from 26 Feb 2026)