LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,967
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,268
−HK$2,338/mo
Today · 4.125%
HK$78,606
baseline
▲ 0.50% · 4.625%
HK$83,388
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,212/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,288
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,495
−HK$2,238/mo
Today · 4.125%
HK$86,733
baseline
▲ 0.50% · 4.625%
HK$91,305
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,466/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,761
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,521
−HK$2,806/mo
Today · 4.125%
HK$94,327
baseline
▲ 0.50% · 4.625%
HK$100,066
+HK$5,739/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,654/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,745
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,394
−HK$2,686/mo
Today · 4.125%
HK$104,080
baseline
▲ 0.50% · 4.625%
HK$109,566
+HK$5,486/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,160/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,554
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,775
−HK$3,273/mo
Today · 4.125%
HK$110,048
baseline
▲ 0.50% · 4.625%
HK$116,744
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,096/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,203
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,292
−HK$3,135/mo
Today · 4.125%
HK$121,427
baseline
▲ 0.50% · 4.625%
HK$127,827
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,854/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,141
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,282
−HK$4,208/mo
Today · 4.125%
HK$141,490
baseline
▲ 0.50% · 4.625%
HK$150,099
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,980/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,118
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,090
−HK$4,030/mo
Today · 4.125%
HK$156,120
baseline
▲ 0.50% · 4.625%
HK$164,349
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,240/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,618 · Scale 2, in force from 26 Feb 2026)