LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,113
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,387
−HK$2,311/mo
Today · 4.125%
HK$77,698
baseline
▲ 0.50% · 4.625%
HK$82,425
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,396/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,337
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,519
−HK$2,213/mo
Today · 4.125%
HK$85,732
baseline
▲ 0.50% · 4.625%
HK$90,251
+HK$4,519/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,464/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,735
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,465
−HK$2,772/mo
Today · 4.125%
HK$93,237
baseline
▲ 0.50% · 4.625%
HK$98,911
+HK$5,674/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,474/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,605
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,223
−HK$2,655/mo
Today · 4.125%
HK$102,878
baseline
▲ 0.50% · 4.625%
HK$108,301
+HK$5,423/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,756/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,358
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,542
−HK$3,235/mo
Today · 4.125%
HK$108,777
baseline
▲ 0.50% · 4.625%
HK$115,396
+HK$6,619/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,554/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,872
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,926
−HK$3,098/mo
Today · 4.125%
HK$120,024
baseline
▲ 0.50% · 4.625%
HK$126,351
+HK$6,327/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,048/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,603
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,697
−HK$4,159/mo
Today · 4.125%
HK$139,856
baseline
▲ 0.50% · 4.625%
HK$148,366
+HK$8,510/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,712/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,407
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,334
−HK$3,983/mo
Today · 4.125%
HK$154,317
baseline
▲ 0.50% · 4.625%
HK$162,451
+HK$8,134/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,634/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,697 · Scale 2, in force from 26 Feb 2026)