LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,184
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,460
−HK$2,313/mo
Today · 4.125%
HK$77,773
baseline
▲ 0.50% · 4.625%
HK$82,505
+HK$4,732/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,546/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,416
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,600
−HK$2,215/mo
Today · 4.125%
HK$85,815
baseline
▲ 0.50% · 4.625%
HK$90,338
+HK$4,523/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,630/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,820
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,552
−HK$2,776/mo
Today · 4.125%
HK$93,328
baseline
▲ 0.50% · 4.625%
HK$99,006
+HK$5,678/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,656/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,699
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,320
−HK$2,658/mo
Today · 4.125%
HK$102,978
baseline
▲ 0.50% · 4.625%
HK$108,406
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,956/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,457
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,644
−HK$3,238/mo
Today · 4.125%
HK$108,882
baseline
▲ 0.50% · 4.625%
HK$115,507
+HK$6,625/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,764/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,983
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,039
−HK$3,102/mo
Today · 4.125%
HK$120,141
baseline
▲ 0.50% · 4.625%
HK$126,473
+HK$6,332/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,282/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,731
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$135,828
−HK$4,163/mo
Today · 4.125%
HK$139,991
baseline
▲ 0.50% · 4.625%
HK$148,509
+HK$8,518/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$279,982/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,549
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,479
−HK$3,988/mo
Today · 4.125%
HK$154,467
baseline
▲ 0.50% · 4.625%
HK$162,609
+HK$8,142/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$308,934/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,016 · Scale 2, in force from 26 Feb 2026)