LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,092
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,366
−HK$2,309/mo
Today · 4.125%
HK$77,675
baseline
▲ 0.50% · 4.625%
HK$82,402
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,350/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,314
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,495
−HK$2,212/mo
Today · 4.125%
HK$85,707
baseline
▲ 0.50% · 4.625%
HK$90,225
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,414/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,710
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,439
−HK$2,772/mo
Today · 4.125%
HK$93,211
baseline
▲ 0.50% · 4.625%
HK$98,882
+HK$5,671/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,422/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,577
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,194
−HK$2,655/mo
Today · 4.125%
HK$102,849
baseline
▲ 0.50% · 4.625%
HK$108,270
+HK$5,421/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,698/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,329
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,512
−HK$3,234/mo
Today · 4.125%
HK$108,746
baseline
▲ 0.50% · 4.625%
HK$115,363
+HK$6,617/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,492/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,840
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,893
−HK$3,097/mo
Today · 4.125%
HK$119,990
baseline
▲ 0.50% · 4.625%
HK$126,315
+HK$6,325/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$239,980/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,566
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,658
−HK$4,158/mo
Today · 4.125%
HK$139,816
baseline
▲ 0.50% · 4.625%
HK$148,323
+HK$8,507/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,632/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,365
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,291
−HK$3,982/mo
Today · 4.125%
HK$154,273
baseline
▲ 0.50% · 4.625%
HK$162,405
+HK$8,132/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,546/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,307 · Scale 2, in force from 26 Feb 2026)