LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,153
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,429
−HK$2,311/mo
Today · 4.125%
HK$77,740
baseline
▲ 0.50% · 4.625%
HK$82,471
+HK$4,731/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,480/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,382
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,565
−HK$2,214/mo
Today · 4.125%
HK$85,779
baseline
▲ 0.50% · 4.625%
HK$90,300
+HK$4,521/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,558/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,784
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,514
−HK$2,774/mo
Today · 4.125%
HK$93,288
baseline
▲ 0.50% · 4.625%
HK$98,965
+HK$5,677/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,576/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,658
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,278
−HK$2,657/mo
Today · 4.125%
HK$102,935
baseline
▲ 0.50% · 4.625%
HK$108,360
+HK$5,425/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,870/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,414
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,600
−HK$3,237/mo
Today · 4.125%
HK$108,837
baseline
▲ 0.50% · 4.625%
HK$115,459
+HK$6,622/mo
Deposit HK$9.62M · loan HK$22.46M · min. income ≈ HK$217,674/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,935
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,990
−HK$3,100/mo
Today · 4.125%
HK$120,090
baseline
▲ 0.50% · 4.625%
HK$126,420
+HK$6,330/mo
Deposit HK$9.62M · loan HK$22.46M · min. income ≈ HK$240,180/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,675
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,771
−HK$4,162/mo
Today · 4.125%
HK$139,933
baseline
▲ 0.50% · 4.625%
HK$148,447
+HK$8,514/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,866/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,488
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,416
−HK$3,986/mo
Today · 4.125%
HK$154,402
baseline
▲ 0.50% · 4.625%
HK$162,541
+HK$8,139/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,804/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,445 · Scale 2, in force from 26 Feb 2026)