LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,241
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,519
−HK$2,315/mo
Today · 4.125%
HK$77,834
baseline
▲ 0.50% · 4.625%
HK$82,570
+HK$4,736/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,668/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,480
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,665
−HK$2,217/mo
Today · 4.125%
HK$85,882
baseline
▲ 0.50% · 4.625%
HK$90,409
+HK$4,527/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,764/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,889
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,623
−HK$2,778/mo
Today · 4.125%
HK$93,401
baseline
▲ 0.50% · 4.625%
HK$99,084
+HK$5,683/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,802/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,776
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,398
−HK$2,661/mo
Today · 4.125%
HK$103,059
baseline
▲ 0.50% · 4.625%
HK$108,491
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,118/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,538
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,727
−HK$3,241/mo
Today · 4.125%
HK$108,968
baseline
▲ 0.50% · 4.625%
HK$115,598
+HK$6,630/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$217,936/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,072
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,131
−HK$3,104/mo
Today · 4.125%
HK$120,235
baseline
▲ 0.50% · 4.625%
HK$126,573
+HK$6,338/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$240,470/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,834
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,935
−HK$4,166/mo
Today · 4.125%
HK$140,101
baseline
▲ 0.50% · 4.625%
HK$148,626
+HK$8,525/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,202/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,664
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,597
−HK$3,991/mo
Today · 4.125%
HK$154,588
baseline
▲ 0.50% · 4.625%
HK$162,736
+HK$8,148/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,176/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,087 · Scale 2, in force from 26 Feb 2026)