LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,117
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,392
−HK$2,310/mo
Today · 4.125%
HK$77,702
baseline
▲ 0.50% · 4.625%
HK$82,430
+HK$4,728/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,404/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,342
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,524
−HK$2,213/mo
Today · 4.125%
HK$85,737
baseline
▲ 0.50% · 4.625%
HK$90,256
+HK$4,519/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,474/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,741
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,470
−HK$2,773/mo
Today · 4.125%
HK$93,243
baseline
▲ 0.50% · 4.625%
HK$98,916
+HK$5,673/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,486/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,611
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,229
−HK$2,655/mo
Today · 4.125%
HK$102,884
baseline
▲ 0.50% · 4.625%
HK$108,307
+HK$5,423/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,768/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,364
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,548
−HK$3,235/mo
Today · 4.125%
HK$108,783
baseline
▲ 0.50% · 4.625%
HK$115,402
+HK$6,619/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,566/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,879
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,933
−HK$3,099/mo
Today · 4.125%
HK$120,032
baseline
▲ 0.50% · 4.625%
HK$126,359
+HK$6,327/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,064/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,611
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,705
−HK$4,159/mo
Today · 4.125%
HK$139,864
baseline
▲ 0.50% · 4.625%
HK$148,375
+HK$8,511/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,728/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,416
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,343
−HK$3,983/mo
Today · 4.125%
HK$154,326
baseline
▲ 0.50% · 4.625%
HK$162,461
+HK$8,135/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,652/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,778 · Scale 2, in force from 26 Feb 2026)