LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,277
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,556
−HK$2,316/mo
Today · 4.125%
HK$77,872
baseline
▲ 0.50% · 4.625%
HK$82,610
+HK$4,738/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,744/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,520
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,706
−HK$2,218/mo
Today · 4.125%
HK$85,924
baseline
▲ 0.50% · 4.625%
HK$90,453
+HK$4,529/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,848/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,932
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,667
−HK$2,779/mo
Today · 4.125%
HK$93,446
baseline
▲ 0.50% · 4.625%
HK$99,132
+HK$5,686/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,892/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,823
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,447
−HK$2,662/mo
Today · 4.125%
HK$103,109
baseline
▲ 0.50% · 4.625%
HK$108,544
+HK$5,435/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,218/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,587
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,778
−HK$3,242/mo
Today · 4.125%
HK$109,020
baseline
▲ 0.50% · 4.625%
HK$115,654
+HK$6,634/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$218,040/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,127
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,188
−HK$3,105/mo
Today · 4.125%
HK$120,293
baseline
▲ 0.50% · 4.625%
HK$126,634
+HK$6,341/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,586/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,898
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$136,001
−HK$4,168/mo
Today · 4.125%
HK$140,169
baseline
▲ 0.50% · 4.625%
HK$148,698
+HK$8,529/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$280,338/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,735
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,671
−HK$3,992/mo
Today · 4.125%
HK$154,663
baseline
▲ 0.50% · 4.625%
HK$162,815
+HK$8,152/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$309,326/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,749 · Scale 2, in force from 26 Feb 2026)