LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,080
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,354
−HK$2,309/mo
Today · 4.125%
HK$77,663
baseline
▲ 0.50% · 4.625%
HK$82,389
+HK$4,726/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,326/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,301
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,482
−HK$2,212/mo
Today · 4.125%
HK$85,694
baseline
▲ 0.50% · 4.625%
HK$90,211
+HK$4,517/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,388/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,696
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,424
−HK$2,772/mo
Today · 4.125%
HK$93,196
baseline
▲ 0.50% · 4.625%
HK$98,866
+HK$5,670/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,392/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,561
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,178
−HK$2,654/mo
Today · 4.125%
HK$102,832
baseline
▲ 0.50% · 4.625%
HK$108,253
+HK$5,421/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,664/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,312
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,495
−HK$3,233/mo
Today · 4.125%
HK$108,728
baseline
▲ 0.50% · 4.625%
HK$115,344
+HK$6,616/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,456/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,822
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,874
−HK$3,097/mo
Today · 4.125%
HK$119,971
baseline
▲ 0.50% · 4.625%
HK$126,295
+HK$6,324/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,942/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,545
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$135,636
−HK$4,158/mo
Today · 4.125%
HK$139,794
baseline
▲ 0.50% · 4.625%
HK$148,300
+HK$8,506/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,588/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,342
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$150,267
−HK$3,981/mo
Today · 4.125%
HK$154,248
baseline
▲ 0.50% · 4.625%
HK$162,379
+HK$8,131/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,496/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,090 · Scale 2, in force from 26 Feb 2026)