LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,981
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,282
−HK$2,339/mo
Today · 4.125%
HK$78,621
baseline
▲ 0.50% · 4.625%
HK$83,404
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,242/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,303
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,511
−HK$2,239/mo
Today · 4.125%
HK$86,750
baseline
▲ 0.50% · 4.625%
HK$91,323
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,500/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,778
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,539
−HK$2,806/mo
Today · 4.125%
HK$94,345
baseline
▲ 0.50% · 4.625%
HK$100,085
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,690/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,764
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,413
−HK$2,687/mo
Today · 4.125%
HK$104,100
baseline
▲ 0.50% · 4.625%
HK$109,587
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,200/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,574
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,795
−HK$3,274/mo
Today · 4.125%
HK$110,069
baseline
▲ 0.50% · 4.625%
HK$116,766
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,138/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,225
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,315
−HK$3,135/mo
Today · 4.125%
HK$121,450
baseline
▲ 0.50% · 4.625%
HK$127,852
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,900/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,166
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,308
−HK$4,209/mo
Today · 4.125%
HK$141,517
baseline
▲ 0.50% · 4.625%
HK$150,128
+HK$8,611/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,034/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,146
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,119
−HK$4,031/mo
Today · 4.125%
HK$156,150
baseline
▲ 0.50% · 4.625%
HK$164,381
+HK$8,231/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,300/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,882 · Scale 2, in force from 26 Feb 2026)