LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,985
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,287
−HK$2,338/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$83,409
+HK$4,784/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,308
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,515
−HK$2,240/mo
Today · 4.125%
HK$86,755
baseline
▲ 0.50% · 4.625%
HK$91,328
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,510/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,782
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,544
−HK$2,806/mo
Today · 4.125%
HK$94,350
baseline
▲ 0.50% · 4.625%
HK$100,091
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,700/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,770
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,419
−HK$2,687/mo
Today · 4.125%
HK$104,106
baseline
▲ 0.50% · 4.625%
HK$109,593
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,212/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,580
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,801
−HK$3,274/mo
Today · 4.125%
HK$110,075
baseline
▲ 0.50% · 4.625%
HK$116,773
+HK$6,698/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,150/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,231
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,322
−HK$3,135/mo
Today · 4.125%
HK$121,457
baseline
▲ 0.50% · 4.625%
HK$127,859
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,914/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,174
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,316
−HK$4,209/mo
Today · 4.125%
HK$141,525
baseline
▲ 0.50% · 4.625%
HK$150,136
+HK$8,611/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,050/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,154
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,128
−HK$4,031/mo
Today · 4.125%
HK$156,159
baseline
▲ 0.50% · 4.625%
HK$164,390
+HK$8,231/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,318/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,959 · Scale 2, in force from 26 Feb 2026)