LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,203
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,480
−HK$2,314/mo
Today · 4.125%
HK$77,794
baseline
▲ 0.50% · 4.625%
HK$82,527
+HK$4,733/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,588/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,438
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,622
−HK$2,216/mo
Today · 4.125%
HK$85,838
baseline
▲ 0.50% · 4.625%
HK$90,362
+HK$4,524/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,676/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,844
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,576
−HK$2,777/mo
Today · 4.125%
HK$93,353
baseline
▲ 0.50% · 4.625%
HK$99,033
+HK$5,680/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,706/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,726
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,347
−HK$2,658/mo
Today · 4.125%
HK$103,005
baseline
▲ 0.50% · 4.625%
HK$108,435
+HK$5,430/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$206,010/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,485
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,673
−HK$3,238/mo
Today · 4.125%
HK$108,911
baseline
▲ 0.50% · 4.625%
HK$115,538
+HK$6,627/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,822/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,013
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,071
−HK$3,102/mo
Today · 4.125%
HK$120,173
baseline
▲ 0.50% · 4.625%
HK$126,507
+HK$6,334/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,346/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,766
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$135,865
−HK$4,164/mo
Today · 4.125%
HK$140,029
baseline
▲ 0.50% · 4.625%
HK$148,549
+HK$8,520/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$280,058/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,588
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$150,520
−HK$3,988/mo
Today · 4.125%
HK$154,508
baseline
▲ 0.50% · 4.625%
HK$162,652
+HK$8,144/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$309,016/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,383 · Scale 2, in force from 26 Feb 2026)