LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,007
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,278
−HK$2,307/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$82,306
+HK$4,721/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,220
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,398
−HK$2,210/mo
Today · 4.125%
HK$85,608
baseline
▲ 0.50% · 4.625%
HK$90,120
+HK$4,512/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,216/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,609
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,334
−HK$2,768/mo
Today · 4.125%
HK$93,102
baseline
▲ 0.50% · 4.625%
HK$98,767
+HK$5,665/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,204/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,464
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,078
−HK$2,651/mo
Today · 4.125%
HK$102,729
baseline
▲ 0.50% · 4.625%
HK$108,144
+HK$5,415/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,458/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,210
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,389
−HK$3,230/mo
Today · 4.125%
HK$108,619
baseline
▲ 0.50% · 4.625%
HK$115,229
+HK$6,610/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$217,238/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,708
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,757
−HK$3,094/mo
Today · 4.125%
HK$119,851
baseline
▲ 0.50% · 4.625%
HK$126,168
+HK$6,317/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$239,702/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,413
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,501
−HK$4,153/mo
Today · 4.125%
HK$139,654
baseline
▲ 0.50% · 4.625%
HK$148,151
+HK$8,497/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,308/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,195
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,116
−HK$3,978/mo
Today · 4.125%
HK$154,094
baseline
▲ 0.50% · 4.625%
HK$162,216
+HK$8,122/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,188/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,726 · Scale 2, in force from 26 Feb 2026)