LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,128
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,403
−HK$2,311/mo
Today · 4.125%
HK$77,714
baseline
▲ 0.50% · 4.625%
HK$82,443
+HK$4,729/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,428/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,354
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,536
−HK$2,214/mo
Today · 4.125%
HK$85,750
baseline
▲ 0.50% · 4.625%
HK$90,270
+HK$4,520/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,500/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,754
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,484
−HK$2,773/mo
Today · 4.125%
HK$93,257
baseline
▲ 0.50% · 4.625%
HK$98,931
+HK$5,674/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,514/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,625
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,244
−HK$2,656/mo
Today · 4.125%
HK$102,900
baseline
▲ 0.50% · 4.625%
HK$108,324
+HK$5,424/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,800/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,380
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,564
−HK$3,236/mo
Today · 4.125%
HK$108,800
baseline
▲ 0.50% · 4.625%
HK$115,420
+HK$6,620/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,600/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,896
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,951
−HK$3,099/mo
Today · 4.125%
HK$120,050
baseline
▲ 0.50% · 4.625%
HK$126,378
+HK$6,328/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,100/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,631
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$135,725
−HK$4,160/mo
Today · 4.125%
HK$139,885
baseline
▲ 0.50% · 4.625%
HK$148,397
+HK$8,512/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,770/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,438
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,365
−HK$3,985/mo
Today · 4.125%
HK$154,350
baseline
▲ 0.50% · 4.625%
HK$162,486
+HK$8,136/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,700/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,983 · Scale 2, in force from 26 Feb 2026)