LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,959
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,259
−HK$2,338/mo
Today · 4.125%
HK$78,597
baseline
▲ 0.50% · 4.625%
HK$83,379
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,194/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,279
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,485
−HK$2,239/mo
Today · 4.125%
HK$86,724
baseline
▲ 0.50% · 4.625%
HK$91,295
+HK$4,571/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,448/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,751
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,511
−HK$2,805/mo
Today · 4.125%
HK$94,316
baseline
▲ 0.50% · 4.625%
HK$100,055
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,632/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,734
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,382
−HK$2,687/mo
Today · 4.125%
HK$104,069
baseline
▲ 0.50% · 4.625%
HK$109,554
+HK$5,485/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,138/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,542
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,763
−HK$3,272/mo
Today · 4.125%
HK$110,035
baseline
▲ 0.50% · 4.625%
HK$116,731
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,070/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,190
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,279
−HK$3,134/mo
Today · 4.125%
HK$121,413
baseline
▲ 0.50% · 4.625%
HK$127,813
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,826/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,126
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,267
−HK$4,207/mo
Today · 4.125%
HK$141,474
baseline
▲ 0.50% · 4.625%
HK$150,083
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,948/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,101
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,073
−HK$4,030/mo
Today · 4.125%
HK$156,103
baseline
▲ 0.50% · 4.625%
HK$164,331
+HK$8,228/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,206/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,465 · Scale 2, in force from 26 Feb 2026)