LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,151
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,427
−HK$2,311/mo
Today · 4.125%
HK$77,738
baseline
▲ 0.50% · 4.625%
HK$82,469
+HK$4,731/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,476/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,380
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,563
−HK$2,214/mo
Today · 4.125%
HK$85,777
baseline
▲ 0.50% · 4.625%
HK$90,298
+HK$4,521/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,554/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,782
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,512
−HK$2,774/mo
Today · 4.125%
HK$93,286
baseline
▲ 0.50% · 4.625%
HK$98,962
+HK$5,676/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,572/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,656
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,275
−HK$2,657/mo
Today · 4.125%
HK$102,932
baseline
▲ 0.50% · 4.625%
HK$108,358
+HK$5,426/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,864/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,412
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,597
−HK$3,237/mo
Today · 4.125%
HK$108,834
baseline
▲ 0.50% · 4.625%
HK$115,456
+HK$6,622/mo
Deposit HK$9.62M · loan HK$22.46M · min. income ≈ HK$217,668/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,932
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,988
−HK$3,099/mo
Today · 4.125%
HK$120,087
baseline
▲ 0.50% · 4.625%
HK$126,417
+HK$6,330/mo
Deposit HK$9.62M · loan HK$22.46M · min. income ≈ HK$240,174/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,672
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$135,768
−HK$4,161/mo
Today · 4.125%
HK$139,929
baseline
▲ 0.50% · 4.625%
HK$148,444
+HK$8,515/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,858/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,484
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,413
−HK$3,985/mo
Today · 4.125%
HK$154,398
baseline
▲ 0.50% · 4.625%
HK$162,537
+HK$8,139/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,796/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,412 · Scale 2, in force from 26 Feb 2026)