LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,224
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,502
−HK$2,314/mo
Today · 4.125%
HK$77,816
baseline
▲ 0.50% · 4.625%
HK$82,551
+HK$4,735/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,632/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,461
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,646
−HK$2,217/mo
Today · 4.125%
HK$85,863
baseline
▲ 0.50% · 4.625%
HK$90,388
+HK$4,525/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,726/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,869
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,603
−HK$2,776/mo
Today · 4.125%
HK$93,379
baseline
▲ 0.50% · 4.625%
HK$99,061
+HK$5,682/mo
Deposit HK$12.84M · loan HK$19.27M · min. income ≈ HK$186,758/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,754
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,375
−HK$2,660/mo
Today · 4.125%
HK$103,035
baseline
▲ 0.50% · 4.625%
HK$108,466
+HK$5,431/mo
Deposit HK$12.84M · loan HK$19.27M · min. income ≈ HK$206,070/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,514
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,703
−HK$3,240/mo
Today · 4.125%
HK$108,943
baseline
▲ 0.50% · 4.625%
HK$115,572
+HK$6,629/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,886/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,046
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,105
−HK$3,103/mo
Today · 4.125%
HK$120,208
baseline
▲ 0.50% · 4.625%
HK$126,544
+HK$6,336/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,416/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,804
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$135,904
−HK$4,165/mo
Today · 4.125%
HK$140,069
baseline
▲ 0.50% · 4.625%
HK$148,592
+HK$8,523/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,138/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,631
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,563
−HK$3,990/mo
Today · 4.125%
HK$154,553
baseline
▲ 0.50% · 4.625%
HK$162,699
+HK$8,146/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,106/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,776 · Scale 2, in force from 26 Feb 2026)