LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,048
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,320
−HK$2,309/mo
Today · 4.125%
HK$77,629
baseline
▲ 0.50% · 4.625%
HK$82,352
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,258/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,265
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,445
−HK$2,211/mo
Today · 4.125%
HK$85,656
baseline
▲ 0.50% · 4.625%
HK$90,171
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,312/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,658
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,384
−HK$2,771/mo
Today · 4.125%
HK$93,155
baseline
▲ 0.50% · 4.625%
HK$98,823
+HK$5,668/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,310/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,518
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,134
−HK$2,653/mo
Today · 4.125%
HK$102,787
baseline
▲ 0.50% · 4.625%
HK$108,205
+HK$5,418/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,574/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,267
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,449
−HK$3,232/mo
Today · 4.125%
HK$108,681
baseline
▲ 0.50% · 4.625%
HK$115,293
+HK$6,612/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,362/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,772
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,823
−HK$3,095/mo
Today · 4.125%
HK$119,918
baseline
▲ 0.50% · 4.625%
HK$126,239
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,836/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,487
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,577
−HK$4,155/mo
Today · 4.125%
HK$139,732
baseline
▲ 0.50% · 4.625%
HK$148,234
+HK$8,502/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,464/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,278
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,201
−HK$3,980/mo
Today · 4.125%
HK$154,181
baseline
▲ 0.50% · 4.625%
HK$162,308
+HK$8,127/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,362/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,491 · Scale 2, in force from 26 Feb 2026)