LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,228
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,505
−HK$2,315/mo
Today · 4.125%
HK$77,820
baseline
▲ 0.50% · 4.625%
HK$82,555
+HK$4,735/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,640/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,465
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,650
−HK$2,216/mo
Today · 4.125%
HK$85,866
baseline
▲ 0.50% · 4.625%
HK$90,392
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,732/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,873
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,606
−HK$2,777/mo
Today · 4.125%
HK$93,383
baseline
▲ 0.50% · 4.625%
HK$99,066
+HK$5,683/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,766/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,758
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,380
−HK$2,659/mo
Today · 4.125%
HK$103,039
baseline
▲ 0.50% · 4.625%
HK$108,471
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,078/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,519
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,707
−HK$3,240/mo
Today · 4.125%
HK$108,947
baseline
▲ 0.50% · 4.625%
HK$115,577
+HK$6,630/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,894/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,051
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,110
−HK$3,103/mo
Today · 4.125%
HK$120,213
baseline
▲ 0.50% · 4.625%
HK$126,549
+HK$6,336/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,426/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,810
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$135,910
−HK$4,165/mo
Today · 4.125%
HK$140,075
baseline
▲ 0.50% · 4.625%
HK$148,598
+HK$8,523/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,150/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,637
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,570
−HK$3,989/mo
Today · 4.125%
HK$154,559
baseline
▲ 0.50% · 4.625%
HK$162,706
+HK$8,147/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,118/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,834 · Scale 2, in force from 26 Feb 2026)