LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,530
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,817
−HK$2,324/mo
Today · 4.125%
HK$78,141
baseline
▲ 0.50% · 4.625%
HK$82,896
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,282/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,801
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,995
−HK$2,226/mo
Today · 4.125%
HK$86,221
baseline
▲ 0.50% · 4.625%
HK$90,766
+HK$4,545/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,442/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,236
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,981
−HK$2,788/mo
Today · 4.125%
HK$93,769
baseline
▲ 0.50% · 4.625%
HK$99,475
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,538/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,162
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,794
−HK$2,671/mo
Today · 4.125%
HK$103,465
baseline
▲ 0.50% · 4.625%
HK$108,919
+HK$5,454/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,930/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,942
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,144
−HK$3,253/mo
Today · 4.125%
HK$109,397
baseline
▲ 0.50% · 4.625%
HK$116,054
+HK$6,657/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,794/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,522
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,593
−HK$3,116/mo
Today · 4.125%
HK$120,709
baseline
▲ 0.50% · 4.625%
HK$127,072
+HK$6,363/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,418/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,354
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,471
−HK$4,183/mo
Today · 4.125%
HK$140,654
baseline
▲ 0.50% · 4.625%
HK$149,212
+HK$8,558/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,308/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,243
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,192
−HK$4,006/mo
Today · 4.125%
HK$155,198
baseline
▲ 0.50% · 4.625%
HK$163,378
+HK$8,180/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,396/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,472 · Scale 2, in force from 26 Feb 2026)