LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,942
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,242
−HK$2,337/mo
Today · 4.125%
HK$78,579
baseline
▲ 0.50% · 4.625%
HK$83,360
+HK$4,781/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,158/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,260
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,466
−HK$2,238/mo
Today · 4.125%
HK$86,704
baseline
▲ 0.50% · 4.625%
HK$91,274
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,408/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,730
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,490
−HK$2,804/mo
Today · 4.125%
HK$94,294
baseline
▲ 0.50% · 4.625%
HK$100,032
+HK$5,738/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,588/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,711
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,359
−HK$2,686/mo
Today · 4.125%
HK$104,045
baseline
▲ 0.50% · 4.625%
HK$109,529
+HK$5,484/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,090/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,519
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,739
−HK$3,271/mo
Today · 4.125%
HK$110,010
baseline
▲ 0.50% · 4.625%
HK$116,704
+HK$6,694/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,020/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,163
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,252
−HK$3,133/mo
Today · 4.125%
HK$121,385
baseline
▲ 0.50% · 4.625%
HK$127,784
+HK$6,399/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,770/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,095
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$137,235
−HK$4,207/mo
Today · 4.125%
HK$141,442
baseline
▲ 0.50% · 4.625%
HK$150,048
+HK$8,606/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,884/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,067
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$152,038
−HK$4,029/mo
Today · 4.125%
HK$156,067
baseline
▲ 0.50% · 4.625%
HK$164,293
+HK$8,226/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,134/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,147 · Scale 2, in force from 26 Feb 2026)