LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,203
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,480
−HK$2,313/mo
Today · 4.125%
HK$77,793
baseline
▲ 0.50% · 4.625%
HK$82,526
+HK$4,733/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,586/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,437
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,621
−HK$2,216/mo
Today · 4.125%
HK$85,837
baseline
▲ 0.50% · 4.625%
HK$90,361
+HK$4,524/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,674/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,843
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,575
−HK$2,777/mo
Today · 4.125%
HK$93,352
baseline
▲ 0.50% · 4.625%
HK$99,032
+HK$5,680/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,704/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,724
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,345
−HK$2,659/mo
Today · 4.125%
HK$103,004
baseline
▲ 0.50% · 4.625%
HK$108,434
+HK$5,430/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$206,008/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,484
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,671
−HK$3,239/mo
Today · 4.125%
HK$108,910
baseline
▲ 0.50% · 4.625%
HK$115,537
+HK$6,627/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,820/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,012
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,070
−HK$3,102/mo
Today · 4.125%
HK$120,172
baseline
▲ 0.50% · 4.625%
HK$126,506
+HK$6,334/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,344/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,765
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,863
−HK$4,164/mo
Today · 4.125%
HK$140,027
baseline
▲ 0.50% · 4.625%
HK$148,548
+HK$8,521/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$280,054/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,587
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,518
−HK$3,988/mo
Today · 4.125%
HK$154,506
baseline
▲ 0.50% · 4.625%
HK$162,651
+HK$8,145/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$309,012/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,368 · Scale 2, in force from 26 Feb 2026)