LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,154
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,429
−HK$2,312/mo
Today · 4.125%
HK$77,741
baseline
▲ 0.50% · 4.625%
HK$82,471
+HK$4,730/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,482/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,383
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,565
−HK$2,215/mo
Today · 4.125%
HK$85,780
baseline
▲ 0.50% · 4.625%
HK$90,301
+HK$4,521/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,560/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,784
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,515
−HK$2,774/mo
Today · 4.125%
HK$93,289
baseline
▲ 0.50% · 4.625%
HK$98,966
+HK$5,677/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,578/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,659
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,278
−HK$2,657/mo
Today · 4.125%
HK$102,935
baseline
▲ 0.50% · 4.625%
HK$108,361
+HK$5,426/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$1,363,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,415
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,601
−HK$3,236/mo
Today · 4.125%
HK$108,837
baseline
▲ 0.50% · 4.625%
HK$115,460
+HK$6,623/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$1,363,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,936
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,991
−HK$3,100/mo
Today · 4.125%
HK$120,091
baseline
▲ 0.50% · 4.625%
HK$126,421
+HK$6,330/mo
Deposit HK$9.62M · loan HK$22.46M · min. income ≈ HK$240,182/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,676
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,772
−HK$4,162/mo
Today · 4.125%
HK$139,934
baseline
▲ 0.50% · 4.625%
HK$148,448
+HK$8,514/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,868/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,489
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,418
−HK$3,985/mo
Today · 4.125%
HK$154,403
baseline
▲ 0.50% · 4.625%
HK$162,542
+HK$8,139/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,806/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,456 · Scale 2, in force from 26 Feb 2026)