LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,177
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,453
−HK$2,313/mo
Today · 4.125%
HK$77,766
baseline
▲ 0.50% · 4.625%
HK$82,498
+HK$4,732/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,532/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,409
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,592
−HK$2,215/mo
Today · 4.125%
HK$85,807
baseline
▲ 0.50% · 4.625%
HK$90,330
+HK$4,523/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,614/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,812
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,544
−HK$2,775/mo
Today · 4.125%
HK$93,319
baseline
▲ 0.50% · 4.625%
HK$98,997
+HK$5,678/mo
Deposit HK$12.84M · loan HK$19.25M · min. income ≈ HK$186,638/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,690
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,310
−HK$2,658/mo
Today · 4.125%
HK$102,968
baseline
▲ 0.50% · 4.625%
HK$108,396
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.25M · min. income ≈ HK$205,936/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,448
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,634
−HK$3,238/mo
Today · 4.125%
HK$108,872
baseline
▲ 0.50% · 4.625%
HK$115,497
+HK$6,625/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$217,744/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,972
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,029
−HK$3,101/mo
Today · 4.125%
HK$120,130
baseline
▲ 0.50% · 4.625%
HK$126,462
+HK$6,332/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$240,260/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,719
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$135,816
−HK$4,162/mo
Today · 4.125%
HK$139,978
baseline
▲ 0.50% · 4.625%
HK$148,496
+HK$8,518/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$279,956/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,536
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$150,466
−HK$3,986/mo
Today · 4.125%
HK$154,452
baseline
▲ 0.50% · 4.625%
HK$162,594
+HK$8,142/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$308,904/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,892 · Scale 2, in force from 26 Feb 2026)