LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,182
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,459
−HK$2,312/mo
Today · 4.125%
HK$77,771
baseline
▲ 0.50% · 4.625%
HK$82,504
+HK$4,733/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,542/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,414
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,598
−HK$2,215/mo
Today · 4.125%
HK$85,813
baseline
▲ 0.50% · 4.625%
HK$90,336
+HK$4,523/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,626/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,819
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,550
−HK$2,776/mo
Today · 4.125%
HK$93,326
baseline
▲ 0.50% · 4.625%
HK$99,004
+HK$5,678/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,652/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,697
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,317
−HK$2,659/mo
Today · 4.125%
HK$102,976
baseline
▲ 0.50% · 4.625%
HK$108,404
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,952/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,455
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,642
−HK$3,238/mo
Today · 4.125%
HK$108,880
baseline
▲ 0.50% · 4.625%
HK$115,505
+HK$6,625/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,760/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,980
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,037
−HK$3,101/mo
Today · 4.125%
HK$120,138
baseline
▲ 0.50% · 4.625%
HK$126,471
+HK$6,333/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,276/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,728
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$135,825
−HK$4,163/mo
Today · 4.125%
HK$139,988
baseline
▲ 0.50% · 4.625%
HK$148,506
+HK$8,518/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$279,976/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,546
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$150,476
−HK$3,987/mo
Today · 4.125%
HK$154,463
baseline
▲ 0.50% · 4.625%
HK$162,605
+HK$8,142/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$308,926/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,988 · Scale 2, in force from 26 Feb 2026)