LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,109
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,383
−HK$2,310/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$82,420
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,386/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,332
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,514
−HK$2,213/mo
Today · 4.125%
HK$85,727
baseline
▲ 0.50% · 4.625%
HK$90,245
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,454/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,730
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,459
−HK$2,773/mo
Today · 4.125%
HK$93,232
baseline
▲ 0.50% · 4.625%
HK$98,905
+HK$5,673/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$186,464/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,599
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,217
−HK$2,655/mo
Today · 4.125%
HK$102,872
baseline
▲ 0.50% · 4.625%
HK$108,294
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$205,744/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,352
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,536
−HK$3,234/mo
Today · 4.125%
HK$108,770
baseline
▲ 0.50% · 4.625%
HK$115,389
+HK$6,619/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,540/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,865
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,919
−HK$3,098/mo
Today · 4.125%
HK$120,017
baseline
▲ 0.50% · 4.625%
HK$126,344
+HK$6,327/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,034/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,595
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$135,689
−HK$4,158/mo
Today · 4.125%
HK$139,847
baseline
▲ 0.50% · 4.625%
HK$148,357
+HK$8,510/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,694/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,398
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,325
−HK$3,983/mo
Today · 4.125%
HK$154,308
baseline
▲ 0.50% · 4.625%
HK$162,442
+HK$8,134/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,616/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,615 · Scale 2, in force from 26 Feb 2026)