LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,528
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,815
−HK$2,323/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$1,370,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,799
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,225/mo
Today · 4.125%
HK$86,218
baseline
▲ 0.50% · 4.625%
HK$90,763
+HK$4,545/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$1,370,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,233
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,978
−HK$2,788/mo
Today · 4.125%
HK$93,766
baseline
▲ 0.50% · 4.625%
HK$99,472
+HK$5,706/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$1,370,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,158
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,791
−HK$2,671/mo
Today · 4.125%
HK$103,462
baseline
▲ 0.50% · 4.625%
HK$108,915
+HK$5,453/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,924/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,939
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,141
−HK$3,253/mo
Today · 4.125%
HK$109,394
baseline
▲ 0.50% · 4.625%
HK$116,050
+HK$6,656/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,788/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,518
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,590
−HK$3,115/mo
Today · 4.125%
HK$120,705
baseline
▲ 0.50% · 4.625%
HK$127,068
+HK$6,363/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$1,370,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,350
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$136,467
−HK$4,182/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$1,370,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,238
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,187
−HK$4,006/mo
Today · 4.125%
HK$155,193
baseline
▲ 0.50% · 4.625%
HK$163,373
+HK$8,180/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,386/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,427 · Scale 2, in force from 26 Feb 2026)