LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,140
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,415
−HK$2,312/mo
Today · 4.125%
HK$77,727
baseline
▲ 0.50% · 4.625%
HK$82,456
+HK$4,729/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,454/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,368
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,550
−HK$2,214/mo
Today · 4.125%
HK$85,764
baseline
▲ 0.50% · 4.625%
HK$90,285
+HK$4,521/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,528/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,768
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,499
−HK$2,773/mo
Today · 4.125%
HK$93,272
baseline
▲ 0.50% · 4.625%
HK$98,948
+HK$5,676/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,544/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,641
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,260
−HK$2,657/mo
Today · 4.125%
HK$102,917
baseline
▲ 0.50% · 4.625%
HK$108,342
+HK$5,425/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,834/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,396
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,582
−HK$3,236/mo
Today · 4.125%
HK$108,818
baseline
▲ 0.50% · 4.625%
HK$115,439
+HK$6,621/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,636/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,915
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,970
−HK$3,100/mo
Today · 4.125%
HK$120,070
baseline
▲ 0.50% · 4.625%
HK$126,399
+HK$6,329/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,140/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,653
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,748
−HK$4,160/mo
Today · 4.125%
HK$139,908
baseline
▲ 0.50% · 4.625%
HK$148,421
+HK$8,513/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,816/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,462
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,390
−HK$3,985/mo
Today · 4.125%
HK$154,375
baseline
▲ 0.50% · 4.625%
HK$162,512
+HK$8,137/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,750/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,209 · Scale 2, in force from 26 Feb 2026)