LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,329
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,610
−HK$2,317/mo
Today · 4.125%
HK$77,927
baseline
▲ 0.50% · 4.625%
HK$82,669
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,854/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,577
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,765
−HK$2,220/mo
Today · 4.125%
HK$85,985
baseline
▲ 0.50% · 4.625%
HK$90,517
+HK$4,532/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,970/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,718 · 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$99,202
+HK$5,690/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$1,366,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,893
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,518
−HK$2,664/mo
Today · 4.125%
HK$103,182
baseline
▲ 0.50% · 4.625%
HK$108,621
+HK$5,439/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,364/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,660
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,853
−HK$3,245/mo
Today · 4.125%
HK$109,098
baseline
▲ 0.50% · 4.625%
HK$115,736
+HK$6,638/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,196/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,208
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,271
−HK$3,108/mo
Today · 4.125%
HK$120,379
baseline
▲ 0.50% · 4.625%
HK$126,724
+HK$6,345/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,758/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,992
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$136,097
−HK$4,172/mo
Today · 4.125%
HK$140,269
baseline
▲ 0.50% · 4.625%
HK$148,804
+HK$8,535/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$280,538/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,839
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,777
−HK$3,996/mo
Today · 4.125%
HK$154,773
baseline
▲ 0.50% · 4.625%
HK$162,931
+HK$8,158/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$309,546/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,718 · Scale 2, in force from 26 Feb 2026)