LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,537
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,825
−HK$2,324/mo
Today · 4.125%
HK$78,149
baseline
▲ 0.50% · 4.625%
HK$82,904
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,298/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,810
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,004
−HK$2,226/mo
Today · 4.125%
HK$86,230
baseline
▲ 0.50% · 4.625%
HK$90,775
+HK$4,545/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,460/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,245
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,990
−HK$2,789/mo
Today · 4.125%
HK$93,779
baseline
▲ 0.50% · 4.625%
HK$99,485
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,558/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,172
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,804
−HK$2,671/mo
Today · 4.125%
HK$103,475
baseline
▲ 0.50% · 4.625%
HK$108,930
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,950/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,952
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,155
−HK$3,253/mo
Today · 4.125%
HK$109,408
baseline
▲ 0.50% · 4.625%
HK$116,066
+HK$6,658/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,816/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,534
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,605
−HK$3,116/mo
Today · 4.125%
HK$120,721
baseline
▲ 0.50% · 4.625%
HK$127,085
+HK$6,364/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,442/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,367
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,485
−HK$4,183/mo
Today · 4.125%
HK$140,668
baseline
▲ 0.50% · 4.625%
HK$149,227
+HK$8,559/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,336/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,257
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,207
−HK$4,006/mo
Today · 4.125%
HK$155,213
baseline
▲ 0.50% · 4.625%
HK$163,395
+HK$8,182/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,426/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,610 · Scale 2, in force from 26 Feb 2026)