LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,186
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,463
−HK$2,313/mo
Today · 4.125%
HK$77,776
baseline
▲ 0.50% · 4.625%
HK$82,508
+HK$4,732/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,552/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,419
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,603
−HK$2,215/mo
Today · 4.125%
HK$85,818
baseline
▲ 0.50% · 4.625%
HK$90,342
+HK$4,524/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,636/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,824
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,556
−HK$2,775/mo
Today · 4.125%
HK$93,331
baseline
▲ 0.50% · 4.625%
HK$99,010
+HK$5,679/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,662/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,703
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,323
−HK$2,659/mo
Today · 4.125%
HK$102,982
baseline
▲ 0.50% · 4.625%
HK$108,410
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,964/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,461
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,648
−HK$3,238/mo
Today · 4.125%
HK$108,886
baseline
▲ 0.50% · 4.625%
HK$115,512
+HK$6,626/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,772/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,987
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,044
−HK$3,101/mo
Today · 4.125%
HK$120,145
baseline
▲ 0.50% · 4.625%
HK$126,478
+HK$6,333/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,290/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,736
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$135,833
−HK$4,164/mo
Today · 4.125%
HK$139,997
baseline
▲ 0.50% · 4.625%
HK$148,515
+HK$8,518/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$279,994/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,555
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,485
−HK$3,988/mo
Today · 4.125%
HK$154,473
baseline
▲ 0.50% · 4.625%
HK$162,615
+HK$8,142/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$308,946/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,069 · Scale 2, in force from 26 Feb 2026)