LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,226
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,504
−HK$2,314/mo
Today · 4.125%
HK$77,818
baseline
▲ 0.50% · 4.625%
HK$82,553
+HK$4,735/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,636/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,463
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,648
−HK$2,216/mo
Today · 4.125%
HK$85,864
baseline
▲ 0.50% · 4.625%
HK$90,390
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,728/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,871
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,604
−HK$2,777/mo
Today · 4.125%
HK$93,381
baseline
▲ 0.50% · 4.625%
HK$99,063
+HK$5,682/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,762/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,756
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,377
−HK$2,660/mo
Today · 4.125%
HK$103,037
baseline
▲ 0.50% · 4.625%
HK$108,468
+HK$5,431/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,074/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,516
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,705
−HK$3,240/mo
Today · 4.125%
HK$108,945
baseline
▲ 0.50% · 4.625%
HK$115,574
+HK$6,629/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,890/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,048
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,107
−HK$3,103/mo
Today · 4.125%
HK$120,210
baseline
▲ 0.50% · 4.625%
HK$126,546
+HK$6,336/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,420/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,806
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,906
−HK$4,166/mo
Today · 4.125%
HK$140,072
baseline
▲ 0.50% · 4.625%
HK$148,595
+HK$8,523/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,144/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,633
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$150,566
−HK$3,990/mo
Today · 4.125%
HK$154,556
baseline
▲ 0.50% · 4.625%
HK$162,702
+HK$8,146/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,112/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,802 · Scale 2, in force from 26 Feb 2026)