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$1,363,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,357
−HK$4,395/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$1,363,019 · 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$98,934
+HK$5,675/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$1,363,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,628
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,246
−HK$2,656/mo
Today · 4.125%
HK$102,902
baseline
▲ 0.50% · 4.625%
HK$108,327
+HK$5,425/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$1,363,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,382
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,567
−HK$3,235/mo
Today · 4.125%
HK$108,802
baseline
▲ 0.50% · 4.625%
HK$115,423
+HK$6,621/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$1,363,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,899
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,954
−HK$3,099/mo
Today · 4.125%
HK$120,053
baseline
▲ 0.50% · 4.625%
HK$126,381
+HK$6,328/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,106/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,363,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,634
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,729
−HK$4,160/mo
Today · 4.125%
HK$139,889
baseline
▲ 0.50% · 4.625%
HK$148,401
+HK$8,512/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,778/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,442
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,369
−HK$3,985/mo
Today · 4.125%
HK$154,354
baseline
▲ 0.50% · 4.625%
HK$162,490
+HK$8,136/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,708/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,019 · Scale 2, in force from 26 Feb 2026)