LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,220
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,497
−HK$2,314/mo
Today · 4.125%
HK$77,811
baseline
▲ 0.50% · 4.625%
HK$82,546
+HK$4,735/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,622/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,456
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,641
−HK$2,216/mo
Today · 4.125%
HK$85,857
baseline
▲ 0.50% · 4.625%
HK$90,383
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,714/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,864
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,597
−HK$2,777/mo
Today · 4.125%
HK$93,374
baseline
▲ 0.50% · 4.625%
HK$99,055
+HK$5,681/mo
Deposit HK$12.84M · loan HK$19.27M · min. income ≈ HK$186,748/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,748
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,369
−HK$2,660/mo
Today · 4.125%
HK$103,029
baseline
▲ 0.50% · 4.625%
HK$108,459
+HK$5,430/mo
Deposit HK$12.84M · loan HK$19.27M · min. income ≈ HK$206,058/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,508
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,696
−HK$3,240/mo
Today · 4.125%
HK$108,936
baseline
▲ 0.50% · 4.625%
HK$115,564
+HK$6,628/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,872/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,039
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,097
−HK$3,103/mo
Today · 4.125%
HK$120,200
baseline
▲ 0.50% · 4.625%
HK$126,536
+HK$6,336/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,400/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,796
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$135,895
−HK$4,166/mo
Today · 4.125%
HK$140,061
baseline
▲ 0.50% · 4.625%
HK$148,583
+HK$8,522/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,122/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,621
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,554
−HK$3,989/mo
Today · 4.125%
HK$154,543
baseline
▲ 0.50% · 4.625%
HK$162,689
+HK$8,146/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,086/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,691 · Scale 2, in force from 26 Feb 2026)