LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,248
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,527
−HK$2,314/mo
Today · 4.125%
HK$77,841
baseline
▲ 0.50% · 4.625%
HK$82,578
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,682/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,488
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,673
−HK$2,217/mo
Today · 4.125%
HK$85,890
baseline
▲ 0.50% · 4.625%
HK$90,418
+HK$4,528/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,780/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,898
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,632
−HK$2,778/mo
Today · 4.125%
HK$93,410
baseline
▲ 0.50% · 4.625%
HK$99,094
+HK$5,684/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,820/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,785
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,408
−HK$2,660/mo
Today · 4.125%
HK$103,068
baseline
▲ 0.50% · 4.625%
HK$108,501
+HK$5,433/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,136/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,547
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,737
−HK$3,241/mo
Today · 4.125%
HK$108,978
baseline
▲ 0.50% · 4.625%
HK$115,609
+HK$6,631/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,956/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,083
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,143
−HK$3,104/mo
Today · 4.125%
HK$120,247
baseline
▲ 0.50% · 4.625%
HK$126,585
+HK$6,338/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,494/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,847
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$135,948
−HK$4,167/mo
Today · 4.125%
HK$140,115
baseline
▲ 0.50% · 4.625%
HK$148,640
+HK$8,525/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,230/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,678
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,612
−HK$3,991/mo
Today · 4.125%
HK$154,603
baseline
▲ 0.50% · 4.625%
HK$162,752
+HK$8,149/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,206/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,218 · Scale 2, in force from 26 Feb 2026)