LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,206
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,484
−HK$2,313/mo
Today · 4.125%
HK$77,797
baseline
▲ 0.50% · 4.625%
HK$82,531
+HK$4,734/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,594/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,441
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,626
−HK$2,215/mo
Today · 4.125%
HK$85,841
baseline
▲ 0.50% · 4.625%
HK$90,366
+HK$4,525/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,682/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,848
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,580
−HK$2,777/mo
Today · 4.125%
HK$93,357
baseline
▲ 0.50% · 4.625%
HK$99,037
+HK$5,680/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,714/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,730
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,351
−HK$2,659/mo
Today · 4.125%
HK$103,010
baseline
▲ 0.50% · 4.625%
HK$108,439
+HK$5,429/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$206,020/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,489
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,677
−HK$3,239/mo
Today · 4.125%
HK$108,916
baseline
▲ 0.50% · 4.625%
HK$115,543
+HK$6,627/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,832/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,018
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,076
−HK$3,102/mo
Today · 4.125%
HK$120,178
baseline
▲ 0.50% · 4.625%
HK$126,513
+HK$6,335/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,356/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,772
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$135,870
−HK$4,165/mo
Today · 4.125%
HK$140,035
baseline
▲ 0.50% · 4.625%
HK$148,556
+HK$8,521/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$280,070/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,595
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$150,526
−HK$3,989/mo
Today · 4.125%
HK$154,515
baseline
▲ 0.50% · 4.625%
HK$162,659
+HK$8,144/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$309,030/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,440 · Scale 2, in force from 26 Feb 2026)