LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,881
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,179
−HK$2,335/mo
Today · 4.125%
HK$78,514
baseline
▲ 0.50% · 4.625%
HK$83,292
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,028/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,192
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,396
−HK$2,237/mo
Today · 4.125%
HK$86,633
baseline
▲ 0.50% · 4.625%
HK$91,199
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,266/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,657
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,415
−HK$2,802/mo
Today · 4.125%
HK$94,217
baseline
▲ 0.50% · 4.625%
HK$99,950
+HK$5,733/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,434/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,630
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,276
−HK$2,683/mo
Today · 4.125%
HK$103,959
baseline
▲ 0.50% · 4.625%
HK$109,439
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,918/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,434
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,651
−HK$3,269/mo
Today · 4.125%
HK$109,920
baseline
▲ 0.50% · 4.625%
HK$116,608
+HK$6,688/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,840/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,069
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,155
−HK$3,131/mo
Today · 4.125%
HK$121,286
baseline
▲ 0.50% · 4.625%
HK$127,679
+HK$6,393/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,572/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,986
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,123
−HK$4,202/mo
Today · 4.125%
HK$141,325
baseline
▲ 0.50% · 4.625%
HK$149,925
+HK$8,600/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,650/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,946
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$151,913
−HK$4,026/mo
Today · 4.125%
HK$155,939
baseline
▲ 0.50% · 4.625%
HK$164,158
+HK$8,219/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,878/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,016 · Scale 2, in force from 26 Feb 2026)