LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,992
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,294
−HK$2,338/mo
Today · 4.125%
HK$78,632
baseline
▲ 0.50% · 4.625%
HK$83,417
+HK$4,785/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,264/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,315
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,523
−HK$2,240/mo
Today · 4.125%
HK$86,763
baseline
▲ 0.50% · 4.625%
HK$91,336
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,526/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,790
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,552
−HK$2,806/mo
Today · 4.125%
HK$94,358
baseline
▲ 0.50% · 4.625%
HK$100,100
+HK$5,742/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,716/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,778
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,428
−HK$2,687/mo
Today · 4.125%
HK$104,115
baseline
▲ 0.50% · 4.625%
HK$109,603
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,230/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,589
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,811
−HK$3,274/mo
Today · 4.125%
HK$110,085
baseline
▲ 0.50% · 4.625%
HK$116,783
+HK$6,698/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,170/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,241
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,332
−HK$3,136/mo
Today · 4.125%
HK$121,468
baseline
▲ 0.50% · 4.625%
HK$127,870
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,936/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,186
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,328
−HK$4,209/mo
Today · 4.125%
HK$141,537
baseline
▲ 0.50% · 4.625%
HK$150,150
+HK$8,613/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,074/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,168
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,141
−HK$4,032/mo
Today · 4.125%
HK$156,173
baseline
▲ 0.50% · 4.625%
HK$164,405
+HK$8,232/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,346/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,082 · Scale 2, in force from 26 Feb 2026)