LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,978
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,280
−HK$2,337/mo
Today · 4.125%
HK$78,617
baseline
▲ 0.50% · 4.625%
HK$83,401
+HK$4,784/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$1,378,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,300
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,507
−HK$2,240/mo
Today · 4.125%
HK$86,747
baseline
▲ 0.50% · 4.625%
HK$91,319
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,494/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,774
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,535
−HK$2,806/mo
Today · 4.125%
HK$94,341
baseline
▲ 0.50% · 4.625%
HK$100,081
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,682/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,760
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,409
−HK$2,687/mo
Today · 4.125%
HK$104,096
baseline
▲ 0.50% · 4.625%
HK$109,583
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,192/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,570
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,791
−HK$3,273/mo
Today · 4.125%
HK$110,064
baseline
▲ 0.50% · 4.625%
HK$116,762
+HK$6,698/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,128/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,220
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,310
−HK$3,135/mo
Today · 4.125%
HK$121,445
baseline
▲ 0.50% · 4.625%
HK$127,847
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,890/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,161
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,303
−HK$4,208/mo
Today · 4.125%
HK$141,511
baseline
▲ 0.50% · 4.625%
HK$150,122
+HK$8,611/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,022/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,140
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,113
−HK$4,031/mo
Today · 4.125%
HK$156,144
baseline
▲ 0.50% · 4.625%
HK$164,374
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,288/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,828 · Scale 2, in force from 26 Feb 2026)