LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,063
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,335
−HK$2,309/mo
Today · 4.125%
HK$77,644
baseline
▲ 0.50% · 4.625%
HK$82,369
+HK$4,725/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,288/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,281
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,461
−HK$2,212/mo
Today · 4.125%
HK$85,673
baseline
▲ 0.50% · 4.625%
HK$90,189
+HK$4,516/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,346/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,675
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,402
−HK$2,771/mo
Today · 4.125%
HK$93,173
baseline
▲ 0.50% · 4.625%
HK$98,843
+HK$5,670/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$186,346/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,538
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,154
−HK$2,653/mo
Today · 4.125%
HK$102,807
baseline
▲ 0.50% · 4.625%
HK$108,227
+HK$5,420/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$205,614/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,288
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,469
−HK$3,233/mo
Today · 4.125%
HK$108,702
baseline
▲ 0.50% · 4.625%
HK$115,316
+HK$6,614/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,404/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,794
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,846
−HK$3,096/mo
Today · 4.125%
HK$119,942
baseline
▲ 0.50% · 4.625%
HK$126,264
+HK$6,322/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,884/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,513
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,604
−HK$4,156/mo
Today · 4.125%
HK$139,760
baseline
▲ 0.50% · 4.625%
HK$148,264
+HK$8,504/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,520/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,307
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,230
−HK$3,981/mo
Today · 4.125%
HK$154,211
baseline
▲ 0.50% · 4.625%
HK$162,340
+HK$8,129/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,422/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,760 · Scale 2, in force from 26 Feb 2026)