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$82,863
+HK$4,753/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$1,369,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,769
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,962
−HK$2,225/mo
Today · 4.125%
HK$86,187
baseline
▲ 0.50% · 4.625%
HK$90,730
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,374/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,201
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,945
−HK$2,787/mo
Today · 4.125%
HK$93,732
baseline
▲ 0.50% · 4.625%
HK$99,436
+HK$5,704/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$1,369,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,123
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,755
−HK$2,669/mo
Today · 4.125%
HK$103,424
baseline
▲ 0.50% · 4.625%
HK$108,876
+HK$5,452/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$1,369,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,902
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,102
−HK$3,252/mo
Today · 4.125%
HK$109,354
baseline
▲ 0.50% · 4.625%
HK$116,008
+HK$6,654/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$1,369,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,477
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,547
−HK$3,115/mo
Today · 4.125%
HK$120,662
baseline
▲ 0.50% · 4.625%
HK$127,022
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,324/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,302
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,417
−HK$4,181/mo
Today · 4.125%
HK$140,598
baseline
▲ 0.50% · 4.625%
HK$149,154
+HK$8,556/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,196/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,185
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,132
−HK$4,005/mo
Today · 4.125%
HK$155,137
baseline
▲ 0.50% · 4.625%
HK$163,314
+HK$8,177/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,274/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,932 · Scale 2, in force from 26 Feb 2026)