LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,158
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,434
−HK$2,312/mo
Today · 4.125%
HK$77,746
baseline
▲ 0.50% · 4.625%
HK$82,477
+HK$4,731/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,492/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,388
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,571
−HK$2,214/mo
Today · 4.125%
HK$85,785
baseline
▲ 0.50% · 4.625%
HK$90,307
+HK$4,522/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,570/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,790
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,521
−HK$2,774/mo
Today · 4.125%
HK$93,295
baseline
▲ 0.50% · 4.625%
HK$98,972
+HK$5,677/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,590/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,666
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,285
−HK$2,657/mo
Today · 4.125%
HK$102,942
baseline
▲ 0.50% · 4.625%
HK$108,368
+HK$5,426/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,884/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,422
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,608
−HK$3,237/mo
Today · 4.125%
HK$108,845
baseline
▲ 0.50% · 4.625%
HK$115,467
+HK$6,622/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$217,690/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,943
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$116,999
−HK$3,100/mo
Today · 4.125%
HK$120,099
baseline
▲ 0.50% · 4.625%
HK$126,430
+HK$6,331/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$240,198/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,685
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,781
−HK$4,162/mo
Today · 4.125%
HK$139,943
baseline
▲ 0.50% · 4.625%
HK$148,458
+HK$8,515/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$279,886/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,498
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$150,427
−HK$3,986/mo
Today · 4.125%
HK$154,413
baseline
▲ 0.50% · 4.625%
HK$162,553
+HK$8,140/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$308,826/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,546 · Scale 2, in force from 26 Feb 2026)