LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,174
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,450
−HK$2,313/mo
Today · 4.125%
HK$77,763
baseline
▲ 0.50% · 4.625%
HK$82,494
+HK$4,731/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,526/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,405
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,589
−HK$2,215/mo
Today · 4.125%
HK$85,804
baseline
▲ 0.50% · 4.625%
HK$90,326
+HK$4,522/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,608/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,809
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,540
−HK$2,775/mo
Today · 4.125%
HK$93,315
baseline
▲ 0.50% · 4.625%
HK$98,993
+HK$5,678/mo
Deposit HK$12.84M · loan HK$19.25M · min. income ≈ HK$186,630/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,687
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,306
−HK$2,658/mo
Today · 4.125%
HK$102,964
baseline
▲ 0.50% · 4.625%
HK$108,392
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.25M · min. income ≈ HK$205,928/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,444
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,630
−HK$3,238/mo
Today · 4.125%
HK$108,868
baseline
▲ 0.50% · 4.625%
HK$115,492
+HK$6,624/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$217,736/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,968
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,024
−HK$3,101/mo
Today · 4.125%
HK$120,125
baseline
▲ 0.50% · 4.625%
HK$126,457
+HK$6,332/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$240,250/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,713
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$135,810
−HK$4,163/mo
Today · 4.125%
HK$139,973
baseline
▲ 0.50% · 4.625%
HK$148,490
+HK$8,517/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$279,946/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,530
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$150,460
−HK$3,986/mo
Today · 4.125%
HK$154,446
baseline
▲ 0.50% · 4.625%
HK$162,587
+HK$8,141/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$308,892/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,838 · Scale 2, in force from 26 Feb 2026)