LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,109
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,384
−HK$2,310/mo
Today · 4.125%
HK$77,694
baseline
▲ 0.50% · 4.625%
HK$82,422
+HK$4,728/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,388/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,334
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,515
−HK$2,213/mo
Today · 4.125%
HK$85,728
baseline
▲ 0.50% · 4.625%
HK$90,247
+HK$4,519/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,456/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,731
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,460
−HK$2,773/mo
Today · 4.125%
HK$93,233
baseline
▲ 0.50% · 4.625%
HK$98,906
+HK$5,673/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$186,466/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,600
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,218
−HK$2,655/mo
Today · 4.125%
HK$102,873
baseline
▲ 0.50% · 4.625%
HK$108,296
+HK$5,423/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$205,746/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,353
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,537
−HK$3,235/mo
Today · 4.125%
HK$108,772
baseline
▲ 0.50% · 4.625%
HK$115,390
+HK$6,618/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,544/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,867
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,921
−HK$3,098/mo
Today · 4.125%
HK$120,019
baseline
▲ 0.50% · 4.625%
HK$126,345
+HK$6,326/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,038/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,597
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$135,691
−HK$4,158/mo
Today · 4.125%
HK$139,849
baseline
▲ 0.50% · 4.625%
HK$148,359
+HK$8,510/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,698/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,400
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,327
−HK$3,983/mo
Today · 4.125%
HK$154,310
baseline
▲ 0.50% · 4.625%
HK$162,444
+HK$8,134/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,620/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,634 · Scale 2, in force from 26 Feb 2026)