LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,061
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,333
−HK$2,309/mo
Today · 4.125%
HK$77,642
baseline
▲ 0.50% · 4.625%
HK$82,367
+HK$4,725/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,284/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,279
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,459
−HK$2,212/mo
Today · 4.125%
HK$85,671
baseline
▲ 0.50% · 4.625%
HK$90,186
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,342/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,673
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,400
−HK$2,771/mo
Today · 4.125%
HK$93,171
baseline
▲ 0.50% · 4.625%
HK$98,840
+HK$5,669/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$186,342/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,535
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,151
−HK$2,654/mo
Today · 4.125%
HK$102,805
baseline
▲ 0.50% · 4.625%
HK$108,224
+HK$5,419/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$205,610/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,285
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,467
−HK$3,232/mo
Today · 4.125%
HK$108,699
baseline
▲ 0.50% · 4.625%
HK$115,313
+HK$6,614/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,398/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,791
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,843
−HK$3,096/mo
Today · 4.125%
HK$119,939
baseline
▲ 0.50% · 4.625%
HK$126,261
+HK$6,322/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,878/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,509
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,600
−HK$4,156/mo
Today · 4.125%
HK$139,756
baseline
▲ 0.50% · 4.625%
HK$148,260
+HK$8,504/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,512/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,303
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,227
−HK$3,980/mo
Today · 4.125%
HK$154,207
baseline
▲ 0.50% · 4.625%
HK$162,336
+HK$8,129/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,414/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,726 · Scale 2, in force from 26 Feb 2026)