LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,532
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,819
−HK$2,324/mo
Today · 4.125%
HK$78,143
baseline
▲ 0.50% · 4.625%
HK$82,898
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,286/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,804
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,998
−HK$2,225/mo
Today · 4.125%
HK$86,223
baseline
▲ 0.50% · 4.625%
HK$90,768
+HK$4,545/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,446/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,238
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,983
−HK$2,789/mo
Today · 4.125%
HK$93,772
baseline
▲ 0.50% · 4.625%
HK$99,477
+HK$5,705/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,544/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,164
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,797
−HK$2,671/mo
Today · 4.125%
HK$103,468
baseline
▲ 0.50% · 4.625%
HK$108,922
+HK$5,454/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,936/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,945
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,147
−HK$3,253/mo
Today · 4.125%
HK$109,400
baseline
▲ 0.50% · 4.625%
HK$116,057
+HK$6,657/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,800/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,525
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,597
−HK$3,115/mo
Today · 4.125%
HK$120,712
baseline
▲ 0.50% · 4.625%
HK$127,075
+HK$6,363/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,424/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,358
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,475
−HK$4,183/mo
Today · 4.125%
HK$140,658
baseline
▲ 0.50% · 4.625%
HK$149,216
+HK$8,558/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,316/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,246
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,196
−HK$4,006/mo
Today · 4.125%
HK$155,202
baseline
▲ 0.50% · 4.625%
HK$163,383
+HK$8,181/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,404/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,508 · Scale 2, in force from 26 Feb 2026)