LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,067
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,340
−HK$2,309/mo
Today · 4.125%
HK$77,649
baseline
▲ 0.50% · 4.625%
HK$82,374
+HK$4,725/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,298/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,287
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,467
−HK$2,212/mo
Today · 4.125%
HK$85,679
baseline
▲ 0.50% · 4.625%
HK$90,195
+HK$4,516/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,358/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,681
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,408
−HK$2,771/mo
Today · 4.125%
HK$93,179
baseline
▲ 0.50% · 4.625%
HK$98,849
+HK$5,670/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,358/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,544
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,160
−HK$2,654/mo
Today · 4.125%
HK$102,814
baseline
▲ 0.50% · 4.625%
HK$108,234
+HK$5,420/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,628/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,294
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,476
−HK$3,233/mo
Today · 4.125%
HK$108,709
baseline
▲ 0.50% · 4.625%
HK$115,324
+HK$6,615/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,418/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,802
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,854
−HK$3,096/mo
Today · 4.125%
HK$119,950
baseline
▲ 0.50% · 4.625%
HK$126,273
+HK$6,323/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,900/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,521
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$135,613
−HK$4,156/mo
Today · 4.125%
HK$139,769
baseline
▲ 0.50% · 4.625%
HK$148,274
+HK$8,505/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,538/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,316
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,240
−HK$3,981/mo
Today · 4.125%
HK$154,221
baseline
▲ 0.50% · 4.625%
HK$162,351
+HK$8,130/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,442/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,851 · Scale 2, in force from 26 Feb 2026)