LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,961
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,262
−HK$2,338/mo
Today · 4.125%
HK$78,600
baseline
▲ 0.50% · 4.625%
HK$83,382
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,200/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,281
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,488
−HK$2,239/mo
Today · 4.125%
HK$86,727
baseline
▲ 0.50% · 4.625%
HK$91,298
+HK$4,571/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,454/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,754
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,515
−HK$2,804/mo
Today · 4.125%
HK$94,319
baseline
▲ 0.50% · 4.625%
HK$100,059
+HK$5,740/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,638/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,738
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,386
−HK$2,686/mo
Today · 4.125%
HK$104,072
baseline
▲ 0.50% · 4.625%
HK$109,558
+HK$5,486/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,144/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,546
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,767
−HK$3,272/mo
Today · 4.125%
HK$110,039
baseline
▲ 0.50% · 4.625%
HK$116,735
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,078/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,194
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,283
−HK$3,135/mo
Today · 4.125%
HK$121,418
baseline
▲ 0.50% · 4.625%
HK$127,818
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,836/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,131
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,272
−HK$4,207/mo
Today · 4.125%
HK$141,479
baseline
▲ 0.50% · 4.625%
HK$150,088
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,958/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,106
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,079
−HK$4,029/mo
Today · 4.125%
HK$156,108
baseline
▲ 0.50% · 4.625%
HK$164,337
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,216/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,513 · Scale 2, in force from 26 Feb 2026)