LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,144
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,419
−HK$2,312/mo
Today · 4.125%
HK$77,731
baseline
▲ 0.50% · 4.625%
HK$82,460
+HK$4,729/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,462/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,372
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,554
−HK$2,214/mo
Today · 4.125%
HK$85,768
baseline
▲ 0.50% · 4.625%
HK$90,289
+HK$4,521/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,536/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,773
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,503
−HK$2,774/mo
Today · 4.125%
HK$93,277
baseline
▲ 0.50% · 4.625%
HK$98,953
+HK$5,676/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,554/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,646
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,265
−HK$2,657/mo
Today · 4.125%
HK$102,922
baseline
▲ 0.50% · 4.625%
HK$108,347
+HK$5,425/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,844/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,402
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,587
−HK$3,236/mo
Today · 4.125%
HK$108,823
baseline
▲ 0.50% · 4.625%
HK$115,445
+HK$6,622/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,646/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,921
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,976
−HK$3,099/mo
Today · 4.125%
HK$120,075
baseline
▲ 0.50% · 4.625%
HK$126,405
+HK$6,330/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,150/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,659
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$135,754
−HK$4,161/mo
Today · 4.125%
HK$139,915
baseline
▲ 0.50% · 4.625%
HK$148,429
+HK$8,514/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,830/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,469
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,398
−HK$3,985/mo
Today · 4.125%
HK$154,383
baseline
▲ 0.50% · 4.625%
HK$162,520
+HK$8,137/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,766/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,276 · Scale 2, in force from 26 Feb 2026)