LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,533
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,820
−HK$2,324/mo
Today · 4.125%
HK$78,144
baseline
▲ 0.50% · 4.625%
HK$82,899
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,288/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,804
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,998
−HK$2,226/mo
Today · 4.125%
HK$86,224
baseline
▲ 0.50% · 4.625%
HK$90,769
+HK$4,545/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,448/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,239
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,984
−HK$2,789/mo
Today · 4.125%
HK$93,773
baseline
▲ 0.50% · 4.625%
HK$99,479
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,546/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,165
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,798
−HK$2,671/mo
Today · 4.125%
HK$103,469
baseline
▲ 0.50% · 4.625%
HK$108,923
+HK$5,454/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,938/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,946
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,148
−HK$3,253/mo
Today · 4.125%
HK$109,401
baseline
▲ 0.50% · 4.625%
HK$116,058
+HK$6,657/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,802/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,526
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,598
−HK$3,116/mo
Today · 4.125%
HK$120,714
baseline
▲ 0.50% · 4.625%
HK$127,077
+HK$6,363/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,428/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,359
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,476
−HK$4,183/mo
Today · 4.125%
HK$140,659
baseline
▲ 0.50% · 4.625%
HK$149,218
+HK$8,559/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,318/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,248
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,197
−HK$4,006/mo
Today · 4.125%
HK$155,203
baseline
▲ 0.50% · 4.625%
HK$163,384
+HK$8,181/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,406/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,523 · Scale 2, in force from 26 Feb 2026)