LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,975
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,276
−HK$2,338/mo
Today · 4.125%
HK$78,614
baseline
▲ 0.50% · 4.625%
HK$83,397
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,228/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,297
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,504
−HK$2,239/mo
Today · 4.125%
HK$86,743
baseline
▲ 0.50% · 4.625%
HK$91,315
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,486/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,770
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,531
−HK$2,806/mo
Today · 4.125%
HK$94,337
baseline
▲ 0.50% · 4.625%
HK$100,077
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,674/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,756
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,404
−HK$2,687/mo
Today · 4.125%
HK$104,091
baseline
▲ 0.50% · 4.625%
HK$109,578
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,182/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,565
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,787
−HK$3,273/mo
Today · 4.125%
HK$110,060
baseline
▲ 0.50% · 4.625%
HK$116,756
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,120/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,215
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,305
−HK$3,135/mo
Today · 4.125%
HK$121,440
baseline
▲ 0.50% · 4.625%
HK$127,841
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,880/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,155
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,297
−HK$4,208/mo
Today · 4.125%
HK$141,505
baseline
▲ 0.50% · 4.625%
HK$150,115
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,010/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,134
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,107
−HK$4,030/mo
Today · 4.125%
HK$156,137
baseline
▲ 0.50% · 4.625%
HK$164,367
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,274/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,766 · Scale 2, in force from 26 Feb 2026)