LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,259
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,538
−HK$2,315/mo
Today · 4.125%
HK$77,853
baseline
▲ 0.50% · 4.625%
HK$82,590
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,706/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,500
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,686
−HK$2,217/mo
Today · 4.125%
HK$85,903
baseline
▲ 0.50% · 4.625%
HK$90,431
+HK$4,528/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,806/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,911
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,646
−HK$2,778/mo
Today · 4.125%
HK$93,424
baseline
▲ 0.50% · 4.625%
HK$99,108
+HK$5,684/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,848/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,800
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,423
−HK$2,661/mo
Today · 4.125%
HK$103,084
baseline
▲ 0.50% · 4.625%
HK$108,518
+HK$5,434/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,168/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,563
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,753
−HK$3,242/mo
Today · 4.125%
HK$108,995
baseline
▲ 0.50% · 4.625%
HK$115,627
+HK$6,632/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,990/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,100
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,160
−HK$3,105/mo
Today · 4.125%
HK$120,265
baseline
▲ 0.50% · 4.625%
HK$126,604
+HK$6,339/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,530/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,867
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,968
−HK$4,168/mo
Today · 4.125%
HK$140,136
baseline
▲ 0.50% · 4.625%
HK$148,663
+HK$8,527/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,272/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,700
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$150,635
−HK$3,991/mo
Today · 4.125%
HK$154,626
baseline
▲ 0.50% · 4.625%
HK$162,777
+HK$8,151/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,252/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,425 · Scale 2, in force from 26 Feb 2026)