LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,038
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,310
−HK$2,308/mo
Today · 4.125%
HK$77,618
baseline
▲ 0.50% · 4.625%
HK$82,341
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,236/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,254
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,434
−HK$2,210/mo
Today · 4.125%
HK$85,644
baseline
▲ 0.50% · 4.625%
HK$90,159
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,288/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,646
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,372
−HK$2,770/mo
Today · 4.125%
HK$93,142
baseline
▲ 0.50% · 4.625%
HK$98,810
+HK$5,668/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,284/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,505
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,120
−HK$2,653/mo
Today · 4.125%
HK$102,773
baseline
▲ 0.50% · 4.625%
HK$108,190
+HK$5,417/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,546/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,254
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,434
−HK$3,232/mo
Today · 4.125%
HK$108,666
baseline
▲ 0.50% · 4.625%
HK$115,278
+HK$6,612/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,332/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,756
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,807
−HK$3,095/mo
Today · 4.125%
HK$119,902
baseline
▲ 0.50% · 4.625%
HK$126,222
+HK$6,320/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,804/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,469
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,558
−HK$4,155/mo
Today · 4.125%
HK$139,713
baseline
▲ 0.50% · 4.625%
HK$148,214
+HK$8,501/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,426/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,258
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,180
−HK$3,980/mo
Today · 4.125%
HK$154,160
baseline
▲ 0.50% · 4.625%
HK$162,286
+HK$8,126/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,320/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,306 · Scale 2, in force from 26 Feb 2026)