LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,042
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,314
−HK$2,308/mo
Today · 4.125%
HK$77,622
baseline
▲ 0.50% · 4.625%
HK$82,346
+HK$4,724/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,244/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,259
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,438
−HK$2,211/mo
Today · 4.125%
HK$85,649
baseline
▲ 0.50% · 4.625%
HK$90,163
+HK$4,514/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,298/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,650
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,377
−HK$2,770/mo
Today · 4.125%
HK$93,147
baseline
▲ 0.50% · 4.625%
HK$98,815
+HK$5,668/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,294/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,510
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,125
−HK$2,653/mo
Today · 4.125%
HK$102,778
baseline
▲ 0.50% · 4.625%
HK$108,196
+HK$5,418/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,556/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,259
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,440
−HK$3,231/mo
Today · 4.125%
HK$108,671
baseline
▲ 0.50% · 4.625%
HK$115,284
+HK$6,613/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,342/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,762
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,813
−HK$3,095/mo
Today · 4.125%
HK$119,908
baseline
▲ 0.50% · 4.625%
HK$126,229
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,816/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,476
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,565
−HK$4,155/mo
Today · 4.125%
HK$139,720
baseline
▲ 0.50% · 4.625%
HK$148,222
+HK$8,502/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,440/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,265
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,188
−HK$3,980/mo
Today · 4.125%
HK$154,168
baseline
▲ 0.50% · 4.625%
HK$162,294
+HK$8,126/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,336/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,376 · Scale 2, in force from 26 Feb 2026)