LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,178
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,455
−HK$2,312/mo
Today · 4.125%
HK$77,767
baseline
▲ 0.50% · 4.625%
HK$82,499
+HK$4,732/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,534/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,410
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,594
−HK$2,215/mo
Today · 4.125%
HK$85,809
baseline
▲ 0.50% · 4.625%
HK$90,332
+HK$4,523/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,618/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,814
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,546
−HK$2,775/mo
Today · 4.125%
HK$93,321
baseline
▲ 0.50% · 4.625%
HK$98,999
+HK$5,678/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,642/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,692
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,312
−HK$2,658/mo
Today · 4.125%
HK$102,970
baseline
▲ 0.50% · 4.625%
HK$108,398
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,940/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,450
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,636
−HK$3,238/mo
Today · 4.125%
HK$108,874
baseline
▲ 0.50% · 4.625%
HK$115,499
+HK$6,625/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$217,748/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,974
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,031
−HK$3,101/mo
Today · 4.125%
HK$120,132
baseline
▲ 0.50% · 4.625%
HK$126,464
+HK$6,332/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$240,264/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,721
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$135,818
−HK$4,163/mo
Today · 4.125%
HK$139,981
baseline
▲ 0.50% · 4.625%
HK$148,499
+HK$8,518/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$279,962/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,538
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$150,468
−HK$3,987/mo
Today · 4.125%
HK$154,455
baseline
▲ 0.50% · 4.625%
HK$162,597
+HK$8,142/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$308,910/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,917 · Scale 2, in force from 26 Feb 2026)