LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,213
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,491
−HK$2,313/mo
Today · 4.125%
HK$77,804
baseline
▲ 0.50% · 4.625%
HK$82,539
+HK$4,735/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,608/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,449
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,634
−HK$2,216/mo
Today · 4.125%
HK$85,850
baseline
▲ 0.50% · 4.625%
HK$90,375
+HK$4,525/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,700/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,856
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,589
−HK$2,776/mo
Today · 4.125%
HK$93,365
baseline
▲ 0.50% · 4.625%
HK$99,046
+HK$5,681/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,730/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,739
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,360
−HK$2,660/mo
Today · 4.125%
HK$103,020
baseline
▲ 0.50% · 4.625%
HK$108,450
+HK$5,430/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$206,040/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,499
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,687
−HK$3,239/mo
Today · 4.125%
HK$108,926
baseline
▲ 0.50% · 4.625%
HK$115,554
+HK$6,628/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,852/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,029
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,087
−HK$3,102/mo
Today · 4.125%
HK$120,189
baseline
▲ 0.50% · 4.625%
HK$126,525
+HK$6,336/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,378/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,784
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,883
−HK$4,165/mo
Today · 4.125%
HK$140,048
baseline
▲ 0.50% · 4.625%
HK$148,570
+HK$8,522/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,096/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,608
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$150,540
−HK$3,989/mo
Today · 4.125%
HK$154,529
baseline
▲ 0.50% · 4.625%
HK$162,675
+HK$8,146/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,058/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,570 · Scale 2, in force from 26 Feb 2026)