LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,019
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,291
−HK$2,307/mo
Today · 4.125%
HK$77,598
baseline
▲ 0.50% · 4.625%
HK$82,320
+HK$4,722/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,196/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,233
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,412
−HK$2,210/mo
Today · 4.125%
HK$85,622
baseline
▲ 0.50% · 4.625%
HK$90,135
+HK$4,513/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,244/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,623
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,349
−HK$2,769/mo
Today · 4.125%
HK$93,118
baseline
▲ 0.50% · 4.625%
HK$98,784
+HK$5,666/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,236/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,480
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,094
−HK$2,653/mo
Today · 4.125%
HK$102,747
baseline
▲ 0.50% · 4.625%
HK$108,162
+HK$5,415/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,494/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,227
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,407
−HK$3,231/mo
Today · 4.125%
HK$108,638
baseline
▲ 0.50% · 4.625%
HK$115,248
+HK$6,610/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,276/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,727
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,777
−HK$3,094/mo
Today · 4.125%
HK$119,871
baseline
▲ 0.50% · 4.625%
HK$126,190
+HK$6,319/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,742/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,435
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,523
−HK$4,154/mo
Today · 4.125%
HK$139,677
baseline
▲ 0.50% · 4.625%
HK$148,176
+HK$8,499/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,354/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,220
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,142
−HK$3,978/mo
Today · 4.125%
HK$154,120
baseline
▲ 0.50% · 4.625%
HK$162,244
+HK$8,124/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,240/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,954 · Scale 2, in force from 26 Feb 2026)