LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,786
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,081
−HK$2,332/mo
Today · 4.125%
HK$78,413
baseline
▲ 0.50% · 4.625%
HK$83,185
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,826/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,087
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,288
−HK$2,233/mo
Today · 4.125%
HK$86,521
baseline
▲ 0.50% · 4.625%
HK$91,082
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,042/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,544
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,298
−HK$2,798/mo
Today · 4.125%
HK$94,096
baseline
▲ 0.50% · 4.625%
HK$99,822
+HK$5,726/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$188,192/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,504
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,146
−HK$2,680/mo
Today · 4.125%
HK$103,826
baseline
▲ 0.50% · 4.625%
HK$109,299
+HK$5,473/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$207,652/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,301
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,514
−HK$3,265/mo
Today · 4.125%
HK$109,779
baseline
▲ 0.50% · 4.625%
HK$116,458
+HK$6,679/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,558/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,921
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,003
−HK$3,127/mo
Today · 4.125%
HK$121,130
baseline
▲ 0.50% · 4.625%
HK$127,515
+HK$6,385/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,260/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,815
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$136,947
−HK$4,197/mo
Today · 4.125%
HK$141,144
baseline
▲ 0.50% · 4.625%
HK$149,732
+HK$8,588/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,288/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,756
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,719
−HK$4,020/mo
Today · 4.125%
HK$155,739
baseline
▲ 0.50% · 4.625%
HK$163,948
+HK$8,209/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,478/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,249 · Scale 2, in force from 26 Feb 2026)