LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,044
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,316
−HK$2,309/mo
Today · 4.125%
HK$77,625
baseline
▲ 0.50% · 4.625%
HK$82,348
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,250/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,261
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,440
−HK$2,211/mo
Today · 4.125%
HK$85,651
baseline
▲ 0.50% · 4.625%
HK$90,166
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,302/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,653
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,379
−HK$2,771/mo
Today · 4.125%
HK$93,150
baseline
▲ 0.50% · 4.625%
HK$98,817
+HK$5,667/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,300/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,513
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,128
−HK$2,653/mo
Today · 4.125%
HK$102,781
baseline
▲ 0.50% · 4.625%
HK$108,199
+HK$5,418/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,562/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,262
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,443
−HK$3,231/mo
Today · 4.125%
HK$108,674
baseline
▲ 0.50% · 4.625%
HK$115,287
+HK$6,613/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,348/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,765
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,816
−HK$3,096/mo
Today · 4.125%
HK$119,912
baseline
▲ 0.50% · 4.625%
HK$126,232
+HK$6,320/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,824/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,479
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,569
−HK$4,155/mo
Today · 4.125%
HK$139,724
baseline
▲ 0.50% · 4.625%
HK$148,226
+HK$8,502/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,448/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,270
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,192
−HK$3,980/mo
Today · 4.125%
HK$154,172
baseline
▲ 0.50% · 4.625%
HK$162,299
+HK$8,127/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,344/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,415 · Scale 2, in force from 26 Feb 2026)