LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,976
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,277
−HK$2,338/mo
Today · 4.125%
HK$78,615
baseline
▲ 0.50% · 4.625%
HK$83,399
+HK$4,784/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,230/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,298
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,505
−HK$2,239/mo
Today · 4.125%
HK$86,744
baseline
▲ 0.50% · 4.625%
HK$91,317
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,488/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,772
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,533
−HK$2,805/mo
Today · 4.125%
HK$94,338
baseline
▲ 0.50% · 4.625%
HK$100,079
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,676/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,758
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,406
−HK$2,687/mo
Today · 4.125%
HK$104,093
baseline
▲ 0.50% · 4.625%
HK$109,580
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,186/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,567
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,788
−HK$3,273/mo
Today · 4.125%
HK$110,061
baseline
▲ 0.50% · 4.625%
HK$116,758
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,122/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,217
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,307
−HK$3,135/mo
Today · 4.125%
HK$121,442
baseline
▲ 0.50% · 4.625%
HK$127,843
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,884/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,157
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,299
−HK$4,209/mo
Today · 4.125%
HK$141,508
baseline
▲ 0.50% · 4.625%
HK$150,118
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,016/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,136
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,109
−HK$4,031/mo
Today · 4.125%
HK$156,140
baseline
▲ 0.50% · 4.625%
HK$164,370
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,280/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,790 · Scale 2, in force from 26 Feb 2026)