LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,526
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,813
−HK$2,323/mo
Today · 4.125%
HK$78,136
baseline
▲ 0.50% · 4.625%
HK$82,891
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,272/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,796
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,990
−HK$2,226/mo
Today · 4.125%
HK$86,216
baseline
▲ 0.50% · 4.625%
HK$90,760
+HK$4,544/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,432/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,231
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,975
−HK$2,788/mo
Today · 4.125%
HK$93,763
baseline
▲ 0.50% · 4.625%
HK$99,469
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,526/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,156
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,788
−HK$2,671/mo
Today · 4.125%
HK$103,459
baseline
▲ 0.50% · 4.625%
HK$108,912
+HK$5,453/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,918/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,936
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,138
−HK$3,253/mo
Today · 4.125%
HK$109,391
baseline
▲ 0.50% · 4.625%
HK$116,047
+HK$6,656/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,782/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,515
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,586
−HK$3,116/mo
Today · 4.125%
HK$120,702
baseline
▲ 0.50% · 4.625%
HK$127,064
+HK$6,362/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,404/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,346
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$136,463
−HK$4,182/mo
Today · 4.125%
HK$140,645
baseline
▲ 0.50% · 4.625%
HK$149,203
+HK$8,558/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,290/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,233
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,182
−HK$4,006/mo
Today · 4.125%
HK$155,188
baseline
▲ 0.50% · 4.625%
HK$163,368
+HK$8,180/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,376/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,387 · Scale 2, in force from 26 Feb 2026)