LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,956
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,257
−HK$2,337/mo
Today · 4.125%
HK$78,594
baseline
▲ 0.50% · 4.625%
HK$83,376
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,188/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,275
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,482
−HK$2,238/mo
Today · 4.125%
HK$86,720
baseline
▲ 0.50% · 4.625%
HK$91,292
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,440/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,747
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,508
−HK$2,804/mo
Today · 4.125%
HK$94,312
baseline
▲ 0.50% · 4.625%
HK$100,051
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,624/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,730
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,378
−HK$2,687/mo
Today · 4.125%
HK$104,065
baseline
▲ 0.50% · 4.625%
HK$109,550
+HK$5,485/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,130/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,538
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,759
−HK$3,272/mo
Today · 4.125%
HK$110,031
baseline
▲ 0.50% · 4.625%
HK$116,726
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,062/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,186
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,275
−HK$3,134/mo
Today · 4.125%
HK$121,409
baseline
▲ 0.50% · 4.625%
HK$127,808
+HK$6,399/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,818/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,121
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,262
−HK$4,207/mo
Today · 4.125%
HK$141,469
baseline
▲ 0.50% · 4.625%
HK$150,077
+HK$8,608/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,938/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,096
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,068
−HK$4,029/mo
Today · 4.125%
HK$156,097
baseline
▲ 0.50% · 4.625%
HK$164,325
+HK$8,228/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,194/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,412 · Scale 2, in force from 26 Feb 2026)