LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,049
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,321
−HK$2,309/mo
Today · 4.125%
HK$77,630
baseline
▲ 0.50% · 4.625%
HK$82,353
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,260/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,266
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,446
−HK$2,211/mo
Today · 4.125%
HK$85,657
baseline
▲ 0.50% · 4.625%
HK$90,172
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,314/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,659
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,385
−HK$2,770/mo
Today · 4.125%
HK$93,155
baseline
▲ 0.50% · 4.625%
HK$98,824
+HK$5,669/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$1,361,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,519
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,135
−HK$2,653/mo
Today · 4.125%
HK$102,788
baseline
▲ 0.50% · 4.625%
HK$108,206
+HK$5,418/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,576/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,268
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,449
−HK$3,232/mo
Today · 4.125%
HK$108,681
baseline
▲ 0.50% · 4.625%
HK$115,294
+HK$6,613/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$1,361,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,772
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,824
−HK$3,095/mo
Today · 4.125%
HK$119,919
baseline
▲ 0.50% · 4.625%
HK$126,240
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,838/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,488
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,578
−HK$4,155/mo
Today · 4.125%
HK$139,733
baseline
▲ 0.50% · 4.625%
HK$148,236
+HK$8,503/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,466/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,279
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,202
−HK$3,980/mo
Today · 4.125%
HK$154,182
baseline
▲ 0.50% · 4.625%
HK$162,309
+HK$8,127/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,364/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,502 · Scale 2, in force from 26 Feb 2026)