LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,285
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,564
−HK$2,316/mo
Today · 4.125%
HK$77,880
baseline
▲ 0.50% · 4.625%
HK$82,619
+HK$4,739/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,760/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,528
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,715
−HK$2,218/mo
Today · 4.125%
HK$85,933
baseline
▲ 0.50% · 4.625%
HK$90,463
+HK$4,530/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,866/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,942
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,677
−HK$2,779/mo
Today · 4.125%
HK$93,456
baseline
▲ 0.50% · 4.625%
HK$99,143
+HK$5,687/mo
Deposit HK$12.86M · loan HK$19.28M · min. income ≈ HK$186,912/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,834
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,458
−HK$2,662/mo
Today · 4.125%
HK$103,120
baseline
▲ 0.50% · 4.625%
HK$108,555
+HK$5,435/mo
Deposit HK$12.86M · loan HK$19.28M · min. income ≈ HK$206,240/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,598
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$105,790
−HK$3,242/mo
Today · 4.125%
HK$109,032
baseline
▲ 0.50% · 4.625%
HK$115,667
+HK$6,635/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,064/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,140
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,201
−HK$3,105/mo
Today · 4.125%
HK$120,306
baseline
▲ 0.50% · 4.625%
HK$126,648
+HK$6,342/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,612/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,912
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$136,016
−HK$4,168/mo
Today · 4.125%
HK$140,184
baseline
▲ 0.50% · 4.625%
HK$148,714
+HK$8,530/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$280,368/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,751
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$150,687
−HK$3,993/mo
Today · 4.125%
HK$154,680
baseline
▲ 0.50% · 4.625%
HK$162,833
+HK$8,153/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$309,360/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,898 · Scale 2, in force from 26 Feb 2026)