LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,296
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,576
−HK$2,317/mo
Today · 4.125%
HK$77,893
baseline
▲ 0.50% · 4.625%
HK$82,632
+HK$4,739/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,786/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,541
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,728
−HK$2,219/mo
Today · 4.125%
HK$85,947
baseline
▲ 0.50% · 4.625%
HK$90,477
+HK$4,530/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,894/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,956
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,692
−HK$2,779/mo
Today · 4.125%
HK$93,471
baseline
▲ 0.50% · 4.625%
HK$99,159
+HK$5,688/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,942/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,850
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,474
−HK$2,662/mo
Today · 4.125%
HK$103,136
baseline
▲ 0.50% · 4.625%
HK$108,573
+HK$5,437/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,272/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,615
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,807
−HK$3,243/mo
Today · 4.125%
HK$109,050
baseline
▲ 0.50% · 4.625%
HK$115,685
+HK$6,635/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,100/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,158
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,220
−HK$3,106/mo
Today · 4.125%
HK$120,326
baseline
▲ 0.50% · 4.625%
HK$126,668
+HK$6,342/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,652/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,933
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,037
−HK$4,170/mo
Today · 4.125%
HK$140,207
baseline
▲ 0.50% · 4.625%
HK$148,738
+HK$8,531/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,414/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,775
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$150,711
−HK$3,993/mo
Today · 4.125%
HK$154,704
baseline
▲ 0.50% · 4.625%
HK$162,859
+HK$8,155/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,408/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,116 · Scale 2, in force from 26 Feb 2026)