LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,507
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,794
−HK$2,323/mo
Today · 4.125%
HK$78,117
baseline
▲ 0.50% · 4.625%
HK$82,870
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,234/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,776
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,969
−HK$2,225/mo
Today · 4.125%
HK$86,194
baseline
▲ 0.50% · 4.625%
HK$90,737
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,388/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,208
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,952
−HK$2,788/mo
Today · 4.125%
HK$93,740
baseline
▲ 0.50% · 4.625%
HK$99,444
+HK$5,704/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,480/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,131
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,763
−HK$2,670/mo
Today · 4.125%
HK$103,433
baseline
▲ 0.50% · 4.625%
HK$108,885
+HK$5,452/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,866/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,910
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,111
−HK$3,252/mo
Today · 4.125%
HK$109,363
baseline
▲ 0.50% · 4.625%
HK$116,018
+HK$6,655/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,726/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,486
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,557
−HK$3,114/mo
Today · 4.125%
HK$120,671
baseline
▲ 0.50% · 4.625%
HK$127,032
+HK$6,361/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,342/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,313
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$136,428
−HK$4,182/mo
Today · 4.125%
HK$140,610
baseline
▲ 0.50% · 4.625%
HK$149,166
+HK$8,556/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,220/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,196
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,144
−HK$4,005/mo
Today · 4.125%
HK$155,149
baseline
▲ 0.50% · 4.625%
HK$163,327
+HK$8,178/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,298/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,043 · Scale 2, in force from 26 Feb 2026)