LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,972
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,273
−HK$2,338/mo
Today · 4.125%
HK$78,611
baseline
▲ 0.50% · 4.625%
HK$83,394
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,222/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,293
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,500
−HK$2,239/mo
Today · 4.125%
HK$86,739
baseline
▲ 0.50% · 4.625%
HK$91,311
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,478/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,766
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,527
−HK$2,806/mo
Today · 4.125%
HK$94,333
baseline
▲ 0.50% · 4.625%
HK$100,073
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,666/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,400
−HK$2,687/mo
Today · 4.125%
HK$104,087
baseline
▲ 0.50% · 4.625%
HK$109,573
+HK$5,486/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,174/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,561
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,782
−HK$3,273/mo
Today · 4.125%
HK$110,055
baseline
▲ 0.50% · 4.625%
HK$116,751
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,110/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,210
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,300
−HK$3,135/mo
Today · 4.125%
HK$121,435
baseline
▲ 0.50% · 4.625%
HK$127,835
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,870/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,149
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,291
−HK$4,208/mo
Today · 4.125%
HK$141,499
baseline
▲ 0.50% · 4.625%
HK$150,109
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$282,998/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,127
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,100
−HK$4,030/mo
Today · 4.125%
HK$156,130
baseline
▲ 0.50% · 4.625%
HK$164,360
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,260/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,706 · Scale 2, in force from 26 Feb 2026)