LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,214
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,491
−HK$2,314/mo
Today · 4.125%
HK$77,805
baseline
▲ 0.50% · 4.625%
HK$82,539
+HK$4,734/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,610/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,450
−HK$4,400/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$1,364,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,857
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,589
−HK$2,777/mo
Today · 4.125%
HK$93,366
baseline
▲ 0.50% · 4.625%
HK$99,047
+HK$5,681/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,732/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,740
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,361
−HK$2,659/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$1,364,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,499
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,688
−HK$3,239/mo
Today · 4.125%
HK$108,927
baseline
▲ 0.50% · 4.625%
HK$115,555
+HK$6,628/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,854/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,029
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,088
−HK$3,102/mo
Today · 4.125%
HK$120,190
baseline
▲ 0.50% · 4.625%
HK$126,525
+HK$6,335/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,380/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,785
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,884
−HK$4,165/mo
Today · 4.125%
HK$140,049
baseline
▲ 0.50% · 4.625%
HK$148,570
+HK$8,521/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,098/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,609
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$150,541
−HK$3,989/mo
Today · 4.125%
HK$154,530
baseline
▲ 0.50% · 4.625%
HK$162,676
+HK$8,146/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,060/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,577 · Scale 2, in force from 26 Feb 2026)