LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,550
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,837
−HK$2,325/mo
Today · 4.125%
HK$78,162
baseline
▲ 0.50% · 4.625%
HK$82,918
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,324/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,823
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,018
−HK$2,226/mo
Today · 4.125%
HK$86,244
baseline
▲ 0.50% · 4.625%
HK$90,790
+HK$4,546/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,488/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,259
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,005
−HK$2,789/mo
Today · 4.125%
HK$93,794
baseline
▲ 0.50% · 4.625%
HK$99,501
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,588/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,188
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,821
−HK$2,672/mo
Today · 4.125%
HK$103,493
baseline
▲ 0.50% · 4.625%
HK$108,948
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,986/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,969
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,172
−HK$3,254/mo
Today · 4.125%
HK$109,426
baseline
▲ 0.50% · 4.625%
HK$116,085
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,852/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,552
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,625
−HK$3,116/mo
Today · 4.125%
HK$120,741
baseline
▲ 0.50% · 4.625%
HK$127,106
+HK$6,365/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,482/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,389
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$136,507
−HK$4,184/mo
Today · 4.125%
HK$140,691
baseline
▲ 0.50% · 4.625%
HK$149,252
+HK$8,561/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,382/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,282
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,232
−HK$4,007/mo
Today · 4.125%
HK$155,239
baseline
▲ 0.50% · 4.625%
HK$163,422
+HK$8,183/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,478/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,836 · Scale 2, in force from 26 Feb 2026)