LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,114
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,388
−HK$2,311/mo
Today · 4.125%
HK$77,699
baseline
▲ 0.50% · 4.625%
HK$82,427
+HK$4,728/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,398/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,338
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,520
−HK$2,213/mo
Today · 4.125%
HK$85,733
baseline
▲ 0.50% · 4.625%
HK$90,252
+HK$4,519/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,466/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,737
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,466
−HK$2,773/mo
Today · 4.125%
HK$93,239
baseline
▲ 0.50% · 4.625%
HK$98,912
+HK$5,673/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,478/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,606
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,224
−HK$2,656/mo
Today · 4.125%
HK$102,880
baseline
▲ 0.50% · 4.625%
HK$108,302
+HK$5,422/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,760/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,359
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,543
−HK$3,235/mo
Today · 4.125%
HK$108,778
baseline
▲ 0.50% · 4.625%
HK$115,397
+HK$6,619/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,556/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,874
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,928
−HK$3,098/mo
Today · 4.125%
HK$120,026
baseline
▲ 0.50% · 4.625%
HK$126,353
+HK$6,327/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,052/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,605
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,699
−HK$4,159/mo
Today · 4.125%
HK$139,858
baseline
▲ 0.50% · 4.625%
HK$148,368
+HK$8,510/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,716/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,409
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,336
−HK$3,983/mo
Today · 4.125%
HK$154,319
baseline
▲ 0.50% · 4.625%
HK$162,454
+HK$8,135/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,638/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,716 · Scale 2, in force from 26 Feb 2026)