LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,978
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,279
−HK$2,338/mo
Today · 4.125%
HK$78,617
baseline
▲ 0.50% · 4.625%
HK$83,400
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,234/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,299
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,507
−HK$2,239/mo
Today · 4.125%
HK$86,746
baseline
▲ 0.50% · 4.625%
HK$91,318
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,492/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,773
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,535
−HK$2,805/mo
Today · 4.125%
HK$94,340
baseline
▲ 0.50% · 4.625%
HK$100,080
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,680/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,759
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,408
−HK$2,687/mo
Today · 4.125%
HK$104,095
baseline
▲ 0.50% · 4.625%
HK$109,582
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,190/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,569
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,790
−HK$3,273/mo
Today · 4.125%
HK$110,063
baseline
▲ 0.50% · 4.625%
HK$116,760
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,126/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,219
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,309
−HK$3,135/mo
Today · 4.125%
HK$121,444
baseline
▲ 0.50% · 4.625%
HK$127,846
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,888/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,160
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,302
−HK$4,208/mo
Today · 4.125%
HK$141,510
baseline
▲ 0.50% · 4.625%
HK$150,121
+HK$8,611/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,020/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,139
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,112
−HK$4,030/mo
Today · 4.125%
HK$156,142
baseline
▲ 0.50% · 4.625%
HK$164,373
+HK$8,231/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,284/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,814 · Scale 2, in force from 26 Feb 2026)