LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,079
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,352
−HK$2,309/mo
Today · 4.125%
HK$77,661
baseline
▲ 0.50% · 4.625%
HK$82,387
+HK$4,726/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,322/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,299
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,480
−HK$2,211/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,208
+HK$4,517/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,694
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,422
−HK$2,771/mo
Today · 4.125%
HK$93,193
baseline
▲ 0.50% · 4.625%
HK$98,864
+HK$5,671/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,386/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,559
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,175
−HK$2,655/mo
Today · 4.125%
HK$102,830
baseline
▲ 0.50% · 4.625%
HK$108,250
+HK$5,420/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,660/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,310
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,492
−HK$3,234/mo
Today · 4.125%
HK$108,726
baseline
▲ 0.50% · 4.625%
HK$115,341
+HK$6,615/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,452/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,819
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,871
−HK$3,097/mo
Today · 4.125%
HK$119,968
baseline
▲ 0.50% · 4.625%
HK$126,292
+HK$6,324/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,936/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,541
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$135,633
−HK$4,157/mo
Today · 4.125%
HK$139,790
baseline
▲ 0.50% · 4.625%
HK$148,296
+HK$8,506/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,580/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,338
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,263
−HK$3,982/mo
Today · 4.125%
HK$154,245
baseline
▲ 0.50% · 4.625%
HK$162,375
+HK$8,130/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,490/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,056 · Scale 2, in force from 26 Feb 2026)