LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,086
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,360
−HK$2,309/mo
Today · 4.125%
HK$77,669
baseline
▲ 0.50% · 4.625%
HK$82,395
+HK$4,726/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,338/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,308
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,488
−HK$2,212/mo
Today · 4.125%
HK$85,700
baseline
▲ 0.50% · 4.625%
HK$90,218
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,400/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,703
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,431
−HK$2,772/mo
Today · 4.125%
HK$93,203
baseline
▲ 0.50% · 4.625%
HK$98,874
+HK$5,671/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,406/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,569
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,186
−HK$2,654/mo
Today · 4.125%
HK$102,840
baseline
▲ 0.50% · 4.625%
HK$108,261
+HK$5,421/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,680/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,321
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,503
−HK$3,234/mo
Today · 4.125%
HK$108,737
baseline
▲ 0.50% · 4.625%
HK$115,353
+HK$6,616/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,474/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,831
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,884
−HK$3,097/mo
Today · 4.125%
HK$119,981
baseline
▲ 0.50% · 4.625%
HK$126,305
+HK$6,324/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$239,962/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,555
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,647
−HK$4,158/mo
Today · 4.125%
HK$139,805
baseline
▲ 0.50% · 4.625%
HK$148,312
+HK$8,507/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,610/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,354
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,279
−HK$3,982/mo
Today · 4.125%
HK$154,261
baseline
▲ 0.50% · 4.625%
HK$162,392
+HK$8,131/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,522/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,199 · Scale 2, in force from 26 Feb 2026)