LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,003
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,274
−HK$2,307/mo
Today · 4.125%
HK$77,581
baseline
▲ 0.50% · 4.625%
HK$82,301
+HK$4,720/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,162/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,215
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,393
−HK$2,210/mo
Today · 4.125%
HK$85,603
baseline
▲ 0.50% · 4.625%
HK$90,115
+HK$4,512/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,206/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,603
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,328
−HK$2,769/mo
Today · 4.125%
HK$93,097
baseline
▲ 0.50% · 4.625%
HK$98,762
+HK$5,665/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,194/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,458
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,072
−HK$2,651/mo
Today · 4.125%
HK$102,723
baseline
▲ 0.50% · 4.625%
HK$108,138
+HK$5,415/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,446/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,204
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,383
−HK$3,230/mo
Today · 4.125%
HK$108,613
baseline
▲ 0.50% · 4.625%
HK$115,222
+HK$6,609/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,226/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,701
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,750
−HK$3,094/mo
Today · 4.125%
HK$119,844
baseline
▲ 0.50% · 4.625%
HK$126,161
+HK$6,317/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,688/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,405
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$135,493
−HK$4,152/mo
Today · 4.125%
HK$139,645
baseline
▲ 0.50% · 4.625%
HK$148,143
+HK$8,498/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,290/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,187
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$150,108
−HK$3,977/mo
Today · 4.125%
HK$154,085
baseline
▲ 0.50% · 4.625%
HK$162,207
+HK$8,122/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,170/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,647 · Scale 2, in force from 26 Feb 2026)