LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,540
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,827
−HK$2,324/mo
Today · 4.125%
HK$78,151
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,302/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,812
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,006
−HK$2,226/mo
Today · 4.125%
HK$86,232
baseline
▲ 0.50% · 4.625%
HK$90,778
+HK$4,546/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,464/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,248
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,993
−HK$2,788/mo
Today · 4.125%
HK$93,781
baseline
▲ 0.50% · 4.625%
HK$99,488
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,562/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,175
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,808
−HK$2,671/mo
Today · 4.125%
HK$103,479
baseline
▲ 0.50% · 4.625%
HK$108,933
+HK$5,454/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,958/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,955
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,158
−HK$3,254/mo
Today · 4.125%
HK$109,412
baseline
▲ 0.50% · 4.625%
HK$116,069
+HK$6,657/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,824/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,537
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,609
−HK$3,116/mo
Today · 4.125%
HK$120,725
baseline
▲ 0.50% · 4.625%
HK$127,089
+HK$6,364/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,450/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,371
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,489
−HK$4,183/mo
Today · 4.125%
HK$140,672
baseline
▲ 0.50% · 4.625%
HK$149,232
+HK$8,560/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,344/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,262
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,211
−HK$4,007/mo
Today · 4.125%
HK$155,218
baseline
▲ 0.50% · 4.625%
HK$163,400
+HK$8,182/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,436/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,651 · Scale 2, in force from 26 Feb 2026)