LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,992
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,262
−HK$2,307/mo
Today · 4.125%
HK$77,569
baseline
▲ 0.50% · 4.625%
HK$82,289
+HK$4,720/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,138/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,202
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,380
−HK$2,210/mo
Today · 4.125%
HK$85,590
baseline
▲ 0.50% · 4.625%
HK$90,101
+HK$4,511/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,180/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,590
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,314
−HK$2,769/mo
Today · 4.125%
HK$93,083
baseline
▲ 0.50% · 4.625%
HK$98,746
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,166/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,443
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,056
−HK$2,651/mo
Today · 4.125%
HK$102,707
baseline
▲ 0.50% · 4.625%
HK$108,121
+HK$5,414/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,414/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,188
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,367
−HK$3,229/mo
Today · 4.125%
HK$108,596
baseline
▲ 0.50% · 4.625%
HK$115,204
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,192/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,683
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,732
−HK$3,093/mo
Today · 4.125%
HK$119,825
baseline
▲ 0.50% · 4.625%
HK$126,141
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,650/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,385
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,472
−HK$4,152/mo
Today · 4.125%
HK$139,624
baseline
▲ 0.50% · 4.625%
HK$148,120
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,248/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,164
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,084
−HK$3,977/mo
Today · 4.125%
HK$154,061
baseline
▲ 0.50% · 4.625%
HK$162,182
+HK$8,121/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,122/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,436 · Scale 2, in force from 26 Feb 2026)