LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,010
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,281
−HK$2,307/mo
Today · 4.125%
HK$77,588
baseline
▲ 0.50% · 4.625%
HK$82,309
+HK$4,721/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,176/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,223
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,401
−HK$2,210/mo
Today · 4.125%
HK$85,611
baseline
▲ 0.50% · 4.625%
HK$90,124
+HK$4,513/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,222/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,612
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,337
−HK$2,769/mo
Today · 4.125%
HK$93,106
baseline
▲ 0.50% · 4.625%
HK$98,771
+HK$5,665/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,212/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,468
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,082
−HK$2,651/mo
Today · 4.125%
HK$102,733
baseline
▲ 0.50% · 4.625%
HK$108,149
+HK$5,416/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,466/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,214
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,393
−HK$3,231/mo
Today · 4.125%
HK$108,624
baseline
▲ 0.50% · 4.625%
HK$115,233
+HK$6,609/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$217,248/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,712
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,762
−HK$3,094/mo
Today · 4.125%
HK$119,856
baseline
▲ 0.50% · 4.625%
HK$126,173
+HK$6,317/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$239,712/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,418
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,506
−HK$4,153/mo
Today · 4.125%
HK$139,659
baseline
▲ 0.50% · 4.625%
HK$148,157
+HK$8,498/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,318/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,201
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,122
−HK$3,978/mo
Today · 4.125%
HK$154,100
baseline
▲ 0.50% · 4.625%
HK$162,223
+HK$8,123/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,200/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,780 · Scale 2, in force from 26 Feb 2026)