LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,129
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,435
−HK$2,343/mo
Today · 4.125%
HK$78,778
baseline
▲ 0.50% · 4.625%
HK$83,571
+HK$4,793/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,556/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,468
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,680
−HK$2,244/mo
Today · 4.125%
HK$86,924
baseline
▲ 0.50% · 4.625%
HK$91,506
+HK$4,582/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,848/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,955
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,722
−HK$2,812/mo
Today · 4.125%
HK$94,534
baseline
▲ 0.50% · 4.625%
HK$100,286
+HK$5,752/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$189,068/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,962
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,616
−HK$2,693/mo
Today · 4.125%
HK$104,309
baseline
▲ 0.50% · 4.625%
HK$109,807
+HK$5,498/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$208,618/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,781
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,009
−HK$3,280/mo
Today · 4.125%
HK$110,289
baseline
▲ 0.50% · 4.625%
HK$117,000
+HK$6,711/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,578/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,456
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,552
−HK$3,141/mo
Today · 4.125%
HK$121,693
baseline
▲ 0.50% · 4.625%
HK$128,108
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,386/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,433
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$137,584
−HK$4,216/mo
Today · 4.125%
HK$141,800
baseline
▲ 0.50% · 4.625%
HK$150,429
+HK$8,629/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,600/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,443
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$152,424
−HK$4,039/mo
Today · 4.125%
HK$156,463
baseline
▲ 0.50% · 4.625%
HK$164,710
+HK$8,247/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,926/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,644 · Scale 2, in force from 26 Feb 2026)