LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,527
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,814
−HK$2,324/mo
Today · 4.125%
HK$78,138
baseline
▲ 0.50% · 4.625%
HK$82,893
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,276/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,798
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,992
−HK$2,226/mo
Today · 4.125%
HK$86,218
baseline
▲ 0.50% · 4.625%
HK$90,762
+HK$4,544/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,436/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,233
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,977
−HK$2,789/mo
Today · 4.125%
HK$93,766
baseline
▲ 0.50% · 4.625%
HK$99,471
+HK$5,705/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,532/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,158
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,791
−HK$2,670/mo
Today · 4.125%
HK$103,461
baseline
▲ 0.50% · 4.625%
HK$108,915
+HK$5,454/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,922/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,938
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,140
−HK$3,253/mo
Today · 4.125%
HK$109,393
baseline
▲ 0.50% · 4.625%
HK$116,050
+HK$6,657/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,786/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,518
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,589
−HK$3,116/mo
Today · 4.125%
HK$120,705
baseline
▲ 0.50% · 4.625%
HK$127,067
+HK$6,362/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,410/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,349
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,466
−HK$4,183/mo
Today · 4.125%
HK$140,649
baseline
▲ 0.50% · 4.625%
HK$149,207
+HK$8,558/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,298/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,237
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,186
−HK$4,006/mo
Today · 4.125%
HK$155,192
baseline
▲ 0.50% · 4.625%
HK$163,372
+HK$8,180/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,384/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,421 · Scale 2, in force from 26 Feb 2026)