LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,510
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,796
−HK$2,324/mo
Today · 4.125%
HK$78,120
baseline
▲ 0.50% · 4.625%
HK$82,873
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,240/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,779
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,972
−HK$2,225/mo
Today · 4.125%
HK$86,197
baseline
▲ 0.50% · 4.625%
HK$90,741
+HK$4,544/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,394/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,212
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,956
−HK$2,787/mo
Today · 4.125%
HK$93,743
baseline
▲ 0.50% · 4.625%
HK$99,448
+HK$5,705/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$187,486/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,135
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,767
−HK$2,670/mo
Today · 4.125%
HK$103,437
baseline
▲ 0.50% · 4.625%
HK$108,889
+HK$5,452/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$206,874/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,914
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,115
−HK$3,252/mo
Today · 4.125%
HK$109,367
baseline
▲ 0.50% · 4.625%
HK$116,022
+HK$6,655/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,734/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,491
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,561
−HK$3,115/mo
Today · 4.125%
HK$120,676
baseline
▲ 0.50% · 4.625%
HK$127,037
+HK$6,361/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,352/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,318
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$136,434
−HK$4,181/mo
Today · 4.125%
HK$140,615
baseline
▲ 0.50% · 4.625%
HK$149,171
+HK$8,556/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,230/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,202
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,150
−HK$4,005/mo
Today · 4.125%
HK$155,155
baseline
▲ 0.50% · 4.625%
HK$163,333
+HK$8,178/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,310/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,096 · Scale 2, in force from 26 Feb 2026)