LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,035
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,307
−HK$2,308/mo
Today · 4.125%
HK$77,615
baseline
▲ 0.50% · 4.625%
HK$82,338
+HK$4,723/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,230/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,251
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,430
−HK$2,211/mo
Today · 4.125%
HK$85,641
baseline
▲ 0.50% · 4.625%
HK$90,155
+HK$4,514/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,282/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,642
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,368
−HK$2,770/mo
Today · 4.125%
HK$93,138
baseline
▲ 0.50% · 4.625%
HK$98,805
+HK$5,667/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,276/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,501
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,116
−HK$2,653/mo
Today · 4.125%
HK$102,769
baseline
▲ 0.50% · 4.625%
HK$108,186
+HK$5,417/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,538/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,249
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,430
−HK$3,231/mo
Today · 4.125%
HK$108,661
baseline
▲ 0.50% · 4.625%
HK$115,273
+HK$6,612/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,322/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,751
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,802
−HK$3,095/mo
Today · 4.125%
HK$119,897
baseline
▲ 0.50% · 4.625%
HK$126,217
+HK$6,320/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,794/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,463
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,553
−HK$4,154/mo
Today · 4.125%
HK$139,707
baseline
▲ 0.50% · 4.625%
HK$148,208
+HK$8,501/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,414/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,252
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,174
−HK$3,979/mo
Today · 4.125%
HK$154,153
baseline
▲ 0.50% · 4.625%
HK$162,279
+HK$8,126/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,306/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,249 · Scale 2, in force from 26 Feb 2026)