LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,246
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,315/mo
Today · 4.125%
HK$77,839
baseline
▲ 0.50% · 4.625%
HK$82,576
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,678/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,486
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,671
−HK$2,217/mo
Today · 4.125%
HK$85,888
baseline
▲ 0.50% · 4.625%
HK$90,415
+HK$4,527/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,776/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,895
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,629
−HK$2,778/mo
Today · 4.125%
HK$93,407
baseline
▲ 0.50% · 4.625%
HK$99,091
+HK$5,684/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,814/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,783
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,405
−HK$2,661/mo
Today · 4.125%
HK$103,066
baseline
▲ 0.50% · 4.625%
HK$108,498
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,132/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,545
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,734
−HK$3,241/mo
Today · 4.125%
HK$108,975
baseline
▲ 0.50% · 4.625%
HK$115,606
+HK$6,631/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,950/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,080
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,139
−HK$3,104/mo
Today · 4.125%
HK$120,243
baseline
▲ 0.50% · 4.625%
HK$126,581
+HK$6,338/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,486/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,843
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$135,944
−HK$4,167/mo
Today · 4.125%
HK$140,111
baseline
▲ 0.50% · 4.625%
HK$148,636
+HK$8,525/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,222/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,674
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,608
−HK$3,990/mo
Today · 4.125%
HK$154,598
baseline
▲ 0.50% · 4.625%
HK$162,747
+HK$8,149/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,196/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,180 · Scale 2, in force from 26 Feb 2026)