LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,104
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,378
−HK$2,310/mo
Today · 4.125%
HK$77,688
baseline
▲ 0.50% · 4.625%
HK$82,415
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,376/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,327
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,508
−HK$2,213/mo
Today · 4.125%
HK$85,721
baseline
▲ 0.50% · 4.625%
HK$90,239
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,442/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,724
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,453
−HK$2,772/mo
Today · 4.125%
HK$93,225
baseline
▲ 0.50% · 4.625%
HK$98,898
+HK$5,673/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$186,450/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,592
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,210
−HK$2,655/mo
Today · 4.125%
HK$102,865
baseline
▲ 0.50% · 4.625%
HK$108,287
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$205,730/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,345
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,529
−HK$3,234/mo
Today · 4.125%
HK$108,763
baseline
▲ 0.50% · 4.625%
HK$115,381
+HK$6,618/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,526/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,858
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,911
−HK$3,098/mo
Today · 4.125%
HK$120,009
baseline
▲ 0.50% · 4.625%
HK$126,335
+HK$6,326/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,018/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,587
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,680
−HK$4,158/mo
Today · 4.125%
HK$139,838
baseline
▲ 0.50% · 4.625%
HK$148,347
+HK$8,509/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,676/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,389
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,315
−HK$3,983/mo
Today · 4.125%
HK$154,298
baseline
▲ 0.50% · 4.625%
HK$162,431
+HK$8,133/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,596/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,525 · Scale 2, in force from 26 Feb 2026)