LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,965
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,266
−HK$2,338/mo
Today · 4.125%
HK$78,604
baseline
▲ 0.50% · 4.625%
HK$83,386
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,208/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,286
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,493
−HK$2,238/mo
Today · 4.125%
HK$86,731
baseline
▲ 0.50% · 4.625%
HK$91,303
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,462/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,758
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,519
−HK$2,805/mo
Today · 4.125%
HK$94,324
baseline
▲ 0.50% · 4.625%
HK$100,064
+HK$5,740/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,648/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,743
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,391
−HK$2,687/mo
Today · 4.125%
HK$104,078
baseline
▲ 0.50% · 4.625%
HK$109,564
+HK$5,486/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,156/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,551
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,772
−HK$3,273/mo
Today · 4.125%
HK$110,045
baseline
▲ 0.50% · 4.625%
HK$116,741
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,090/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,200
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,290
−HK$3,134/mo
Today · 4.125%
HK$121,424
baseline
▲ 0.50% · 4.625%
HK$127,824
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,848/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,138
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,279
−HK$4,207/mo
Today · 4.125%
HK$141,486
baseline
▲ 0.50% · 4.625%
HK$150,096
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,972/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,114
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,087
−HK$4,029/mo
Today · 4.125%
HK$156,116
baseline
▲ 0.50% · 4.625%
HK$164,345
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,232/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,585 · Scale 2, in force from 26 Feb 2026)