LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,263
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,541
−HK$2,316/mo
Today · 4.125%
HK$77,857
baseline
▲ 0.50% · 4.625%
HK$82,594
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,714/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,504
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,690
−HK$2,217/mo
Today · 4.125%
HK$85,907
baseline
▲ 0.50% · 4.625%
HK$90,436
+HK$4,529/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,814/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,915
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,650
−HK$2,778/mo
Today · 4.125%
HK$93,428
baseline
▲ 0.50% · 4.625%
HK$99,113
+HK$5,685/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,856/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,805
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,428
−HK$2,661/mo
Today · 4.125%
HK$103,089
baseline
▲ 0.50% · 4.625%
HK$108,523
+HK$5,434/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,178/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,568
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,758
−HK$3,242/mo
Today · 4.125%
HK$109,000
baseline
▲ 0.50% · 4.625%
HK$115,632
+HK$6,632/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$218,000/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,105
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,166
−HK$3,104/mo
Today · 4.125%
HK$120,270
baseline
▲ 0.50% · 4.625%
HK$126,610
+HK$6,340/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,540/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,873
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,975
−HK$4,167/mo
Today · 4.125%
HK$140,142
baseline
▲ 0.50% · 4.625%
HK$148,670
+HK$8,528/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$280,284/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,707
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$150,642
−HK$3,991/mo
Today · 4.125%
HK$154,633
baseline
▲ 0.50% · 4.625%
HK$162,784
+HK$8,151/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$309,266/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,487 · Scale 2, in force from 26 Feb 2026)