LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,076
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,380
−HK$2,341/mo
Today · 4.125%
HK$78,721
baseline
▲ 0.50% · 4.625%
HK$83,511
+HK$4,790/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,442/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,409
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,619
−HK$2,242/mo
Today · 4.125%
HK$86,861
baseline
▲ 0.50% · 4.625%
HK$91,440
+HK$4,579/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,722/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,891
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,656
−HK$2,810/mo
Today · 4.125%
HK$94,466
baseline
▲ 0.50% · 4.625%
HK$100,214
+HK$5,748/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,932/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,891
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,543
−HK$2,690/mo
Today · 4.125%
HK$104,233
baseline
▲ 0.50% · 4.625%
HK$109,728
+HK$5,495/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,466/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,706
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,932
−HK$3,278/mo
Today · 4.125%
HK$110,210
baseline
▲ 0.50% · 4.625%
HK$116,916
+HK$6,706/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,420/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,372
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,467
−HK$3,139/mo
Today · 4.125%
HK$121,606
baseline
▲ 0.50% · 4.625%
HK$128,016
+HK$6,410/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,212/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,337
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$137,484
−HK$4,214/mo
Today · 4.125%
HK$141,698
baseline
▲ 0.50% · 4.625%
HK$150,320
+HK$8,622/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,396/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,336
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,314
−HK$4,036/mo
Today · 4.125%
HK$156,350
baseline
▲ 0.50% · 4.625%
HK$164,592
+HK$8,242/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,700/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,649 · Scale 2, in force from 26 Feb 2026)