LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,971
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,272
−HK$2,338/mo
Today · 4.125%
HK$78,610
baseline
▲ 0.50% · 4.625%
HK$83,393
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,220/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,292
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,499
−HK$2,239/mo
Today · 4.125%
HK$86,738
baseline
▲ 0.50% · 4.625%
HK$91,310
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,476/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,765
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,526
−HK$2,805/mo
Today · 4.125%
HK$94,331
baseline
▲ 0.50% · 4.625%
HK$100,071
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,662/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,750
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,399
−HK$2,686/mo
Today · 4.125%
HK$104,085
baseline
▲ 0.50% · 4.625%
HK$109,572
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,170/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,559
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,781
−HK$3,272/mo
Today · 4.125%
HK$110,053
baseline
▲ 0.50% · 4.625%
HK$116,750
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,106/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,209
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,299
−HK$3,134/mo
Today · 4.125%
HK$121,433
baseline
▲ 0.50% · 4.625%
HK$127,834
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,866/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,148
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,289
−HK$4,208/mo
Today · 4.125%
HK$141,497
baseline
▲ 0.50% · 4.625%
HK$150,107
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$282,994/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,125
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,098
−HK$4,030/mo
Today · 4.125%
HK$156,128
baseline
▲ 0.50% · 4.625%
HK$164,358
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,256/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,689 · Scale 2, in force from 26 Feb 2026)