LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,548
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,836
−HK$2,324/mo
Today · 4.125%
HK$78,160
baseline
▲ 0.50% · 4.625%
HK$82,916
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,320/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,822
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,016
−HK$2,226/mo
Today · 4.125%
HK$86,242
baseline
▲ 0.50% · 4.625%
HK$90,788
+HK$4,546/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,484/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,258
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,003
−HK$2,790/mo
Today · 4.125%
HK$93,793
baseline
▲ 0.50% · 4.625%
HK$99,500
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,586/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,186
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,819
−HK$2,672/mo
Today · 4.125%
HK$103,491
baseline
▲ 0.50% · 4.625%
HK$108,946
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,982/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,968
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,170
−HK$3,255/mo
Today · 4.125%
HK$109,425
baseline
▲ 0.50% · 4.625%
HK$116,083
+HK$6,658/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,850/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,550
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,623
−HK$3,116/mo
Today · 4.125%
HK$120,739
baseline
▲ 0.50% · 4.625%
HK$127,104
+HK$6,365/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,478/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,387
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$136,505
−HK$4,184/mo
Today · 4.125%
HK$140,689
baseline
▲ 0.50% · 4.625%
HK$149,249
+HK$8,560/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,378/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,279
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,229
−HK$4,007/mo
Today · 4.125%
HK$155,236
baseline
▲ 0.50% · 4.625%
HK$163,419
+HK$8,183/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,472/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,812 · Scale 2, in force from 26 Feb 2026)