LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,316
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,597
−HK$2,317/mo
Today · 4.125%
HK$77,914
baseline
▲ 0.50% · 4.625%
HK$82,655
+HK$4,741/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,828/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,564
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,751
−HK$2,219/mo
Today · 4.125%
HK$85,970
baseline
▲ 0.50% · 4.625%
HK$90,502
+HK$4,532/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,940/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,980
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,716
−HK$2,781/mo
Today · 4.125%
HK$93,497
baseline
▲ 0.50% · 4.625%
HK$99,186
+HK$5,689/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,994/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,877
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,501
−HK$2,663/mo
Today · 4.125%
HK$103,164
baseline
▲ 0.50% · 4.625%
HK$108,602
+HK$5,438/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,328/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,643
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,836
−HK$3,244/mo
Today · 4.125%
HK$109,080
baseline
▲ 0.50% · 4.625%
HK$115,717
+HK$6,637/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,160/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,189
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,252
−HK$3,107/mo
Today · 4.125%
HK$120,359
baseline
▲ 0.50% · 4.625%
HK$126,703
+HK$6,344/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,718/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,970
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$136,075
−HK$4,170/mo
Today · 4.125%
HK$140,245
baseline
▲ 0.50% · 4.625%
HK$148,779
+HK$8,534/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$280,490/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,815
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,752
−HK$3,995/mo
Today · 4.125%
HK$154,747
baseline
▲ 0.50% · 4.625%
HK$162,904
+HK$8,157/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$309,494/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,490 · Scale 2, in force from 26 Feb 2026)