LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,103
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,408
−HK$2,342/mo
Today · 4.125%
HK$78,750
baseline
▲ 0.50% · 4.625%
HK$83,542
+HK$4,792/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,500/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,439
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,650
−HK$2,243/mo
Today · 4.125%
HK$86,893
baseline
▲ 0.50% · 4.625%
HK$91,473
+HK$4,580/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,786/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,924
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,690
−HK$2,810/mo
Today · 4.125%
HK$94,500
baseline
▲ 0.50% · 4.625%
HK$100,250
+HK$5,750/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,000/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,927
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,580
−HK$2,692/mo
Today · 4.125%
HK$104,272
baseline
▲ 0.50% · 4.625%
HK$109,768
+HK$5,496/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,544/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,745
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,972
−HK$3,278/mo
Today · 4.125%
HK$110,250
baseline
▲ 0.50% · 4.625%
HK$116,959
+HK$6,709/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,500/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,415
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,510
−HK$3,140/mo
Today · 4.125%
HK$121,650
baseline
▲ 0.50% · 4.625%
HK$128,063
+HK$6,413/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,300/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,386
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$137,535
−HK$4,216/mo
Today · 4.125%
HK$141,751
baseline
▲ 0.50% · 4.625%
HK$150,376
+HK$8,625/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,502/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,391
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$152,370
−HK$4,038/mo
Today · 4.125%
HK$156,408
baseline
▲ 0.50% · 4.625%
HK$164,652
+HK$8,244/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,816/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,158 · Scale 2, in force from 26 Feb 2026)