LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,136
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,411
−HK$2,311/mo
Today · 4.125%
HK$77,722
baseline
▲ 0.50% · 4.625%
HK$82,451
+HK$4,729/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,444/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,363
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,545
−HK$2,214/mo
Today · 4.125%
HK$85,759
baseline
▲ 0.50% · 4.625%
HK$90,279
+HK$4,520/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,518/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,763
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,493
−HK$2,774/mo
Today · 4.125%
HK$93,267
baseline
▲ 0.50% · 4.625%
HK$98,942
+HK$5,675/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,534/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,636
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,254
−HK$2,656/mo
Today · 4.125%
HK$102,910
baseline
▲ 0.50% · 4.625%
HK$108,335
+HK$5,425/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,820/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,390
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,575
−HK$3,236/mo
Today · 4.125%
HK$108,811
baseline
▲ 0.50% · 4.625%
HK$115,432
+HK$6,621/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,622/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,908
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,963
−HK$3,099/mo
Today · 4.125%
HK$120,062
baseline
▲ 0.50% · 4.625%
HK$126,391
+HK$6,329/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,124/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,645
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,739
−HK$4,161/mo
Today · 4.125%
HK$139,900
baseline
▲ 0.50% · 4.625%
HK$148,412
+HK$8,512/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,800/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,453
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,381
−HK$3,985/mo
Today · 4.125%
HK$154,366
baseline
▲ 0.50% · 4.625%
HK$162,503
+HK$8,137/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,732/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,126 · Scale 2, in force from 26 Feb 2026)