LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,230
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,508
−HK$2,314/mo
Today · 4.125%
HK$77,822
baseline
▲ 0.50% · 4.625%
HK$82,557
+HK$4,735/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,644/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,468
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,652
−HK$2,217/mo
Today · 4.125%
HK$85,869
baseline
▲ 0.50% · 4.625%
HK$90,395
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,738/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,876
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,609
−HK$2,778/mo
Today · 4.125%
HK$93,387
baseline
▲ 0.50% · 4.625%
HK$99,069
+HK$5,682/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,774/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,761
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,383
−HK$2,660/mo
Today · 4.125%
HK$103,043
baseline
▲ 0.50% · 4.625%
HK$108,474
+HK$5,431/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,086/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,522
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,711
−HK$3,240/mo
Today · 4.125%
HK$108,951
baseline
▲ 0.50% · 4.625%
HK$115,580
+HK$6,629/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,902/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,055
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,113
−HK$3,104/mo
Today · 4.125%
HK$120,217
baseline
▲ 0.50% · 4.625%
HK$126,553
+HK$6,336/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,434/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,814
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,914
−HK$4,166/mo
Today · 4.125%
HK$140,080
baseline
▲ 0.50% · 4.625%
HK$148,603
+HK$8,523/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,160/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,642
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,574
−HK$3,990/mo
Today · 4.125%
HK$154,564
baseline
▲ 0.50% · 4.625%
HK$162,712
+HK$8,148/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,128/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,879 · Scale 2, in force from 26 Feb 2026)