LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,138
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,413
−HK$2,312/mo
Today · 4.125%
HK$77,725
baseline
▲ 0.50% · 4.625%
HK$82,454
+HK$4,729/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,450/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,366
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,548
−HK$2,214/mo
Today · 4.125%
HK$85,762
baseline
▲ 0.50% · 4.625%
HK$90,282
+HK$4,520/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,524/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,766
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,496
−HK$2,774/mo
Today · 4.125%
HK$93,270
baseline
▲ 0.50% · 4.625%
HK$98,945
+HK$5,675/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,540/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,639
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,257
−HK$2,657/mo
Today · 4.125%
HK$102,914
baseline
▲ 0.50% · 4.625%
HK$108,339
+HK$5,425/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,828/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,394
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,579
−HK$3,236/mo
Today · 4.125%
HK$108,815
baseline
▲ 0.50% · 4.625%
HK$115,436
+HK$6,621/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,630/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,912
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,967
−HK$3,099/mo
Today · 4.125%
HK$120,066
baseline
▲ 0.50% · 4.625%
HK$126,395
+HK$6,329/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,132/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,649
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,744
−HK$4,160/mo
Today · 4.125%
HK$139,904
baseline
▲ 0.50% · 4.625%
HK$148,417
+HK$8,513/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,808/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,458
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,386
−HK$3,985/mo
Today · 4.125%
HK$154,371
baseline
▲ 0.50% · 4.625%
HK$162,508
+HK$8,137/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,742/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,171 · Scale 2, in force from 26 Feb 2026)