LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,078
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,382
−HK$2,341/mo
Today · 4.125%
HK$78,723
baseline
▲ 0.50% · 4.625%
HK$83,513
+HK$4,790/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,446/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,411
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,621
−HK$2,242/mo
Today · 4.125%
HK$86,863
baseline
▲ 0.50% · 4.625%
HK$91,442
+HK$4,579/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,726/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,893
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,658
−HK$2,810/mo
Today · 4.125%
HK$94,468
baseline
▲ 0.50% · 4.625%
HK$100,216
+HK$5,748/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,936/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,893
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,545
−HK$2,691/mo
Today · 4.125%
HK$104,236
baseline
▲ 0.50% · 4.625%
HK$109,730
+HK$5,494/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,472/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,709
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,935
−HK$3,277/mo
Today · 4.125%
HK$110,212
baseline
▲ 0.50% · 4.625%
HK$116,918
+HK$6,706/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,424/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,375
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,469
−HK$3,139/mo
Today · 4.125%
HK$121,608
baseline
▲ 0.50% · 4.625%
HK$128,018
+HK$6,410/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,216/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,340
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$137,487
−HK$4,214/mo
Today · 4.125%
HK$141,701
baseline
▲ 0.50% · 4.625%
HK$150,324
+HK$8,623/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,402/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,339
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,318
−HK$4,035/mo
Today · 4.125%
HK$156,353
baseline
▲ 0.50% · 4.625%
HK$164,595
+HK$8,242/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,706/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,678 · Scale 2, in force from 26 Feb 2026)