LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,328
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,609
−HK$2,317/mo
Today · 4.125%
HK$77,926
baseline
▲ 0.50% · 4.625%
HK$82,668
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,852/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,577
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,764
−HK$2,220/mo
Today · 4.125%
HK$85,984
baseline
▲ 0.50% · 4.625%
HK$90,516
+HK$4,532/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,968/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,994
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,731
−HK$2,781/mo
Today · 4.125%
HK$93,512
baseline
▲ 0.50% · 4.625%
HK$99,201
+HK$5,689/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$187,024/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,892
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,517
−HK$2,664/mo
Today · 4.125%
HK$103,181
baseline
▲ 0.50% · 4.625%
HK$108,620
+HK$5,439/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,362/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,659
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,852
−HK$3,245/mo
Today · 4.125%
HK$109,097
baseline
▲ 0.50% · 4.625%
HK$115,735
+HK$6,638/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,194/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,207
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,270
−HK$3,108/mo
Today · 4.125%
HK$120,378
baseline
▲ 0.50% · 4.625%
HK$126,723
+HK$6,345/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,756/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,990
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$136,096
−HK$4,171/mo
Today · 4.125%
HK$140,267
baseline
▲ 0.50% · 4.625%
HK$148,802
+HK$8,535/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$280,534/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,838
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$150,776
−HK$3,995/mo
Today · 4.125%
HK$154,771
baseline
▲ 0.50% · 4.625%
HK$162,929
+HK$8,158/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$309,542/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,706 · Scale 2, in force from 26 Feb 2026)