LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,130
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,405
−HK$2,311/mo
Today · 4.125%
HK$77,716
baseline
▲ 0.50% · 4.625%
HK$82,445
+HK$4,729/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,432/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,356
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,538
−HK$2,214/mo
Today · 4.125%
HK$85,752
baseline
▲ 0.50% · 4.625%
HK$90,272
+HK$4,520/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,504/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,756
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,486
−HK$2,773/mo
Today · 4.125%
HK$93,259
baseline
▲ 0.50% · 4.625%
HK$98,933
+HK$5,674/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,518/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,627
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,246
−HK$2,656/mo
Today · 4.125%
HK$102,902
baseline
▲ 0.50% · 4.625%
HK$108,326
+HK$5,424/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,804/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,382
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,566
−HK$3,236/mo
Today · 4.125%
HK$108,802
baseline
▲ 0.50% · 4.625%
HK$115,422
+HK$6,620/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,604/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,899
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,953
−HK$3,099/mo
Today · 4.125%
HK$120,052
baseline
▲ 0.50% · 4.625%
HK$126,380
+HK$6,328/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,104/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,634
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$135,728
−HK$4,160/mo
Today · 4.125%
HK$139,888
baseline
▲ 0.50% · 4.625%
HK$148,400
+HK$8,512/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,776/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,441
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,369
−HK$3,984/mo
Today · 4.125%
HK$154,353
baseline
▲ 0.50% · 4.625%
HK$162,489
+HK$8,136/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,706/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,014 · Scale 2, in force from 26 Feb 2026)