LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,336
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,617
−HK$2,318/mo
Today · 4.125%
HK$77,935
baseline
▲ 0.50% · 4.625%
HK$82,677
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,870/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,586
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,774
−HK$2,220/mo
Today · 4.125%
HK$85,994
baseline
▲ 0.50% · 4.625%
HK$90,526
+HK$4,532/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,988/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,003
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,741
−HK$2,781/mo
Today · 4.125%
HK$93,522
baseline
▲ 0.50% · 4.625%
HK$99,213
+HK$5,691/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$187,044/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,903
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,529
−HK$2,663/mo
Today · 4.125%
HK$103,192
baseline
▲ 0.50% · 4.625%
HK$108,632
+HK$5,440/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$206,384/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,671
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,864
−HK$3,245/mo
Today · 4.125%
HK$109,109
baseline
▲ 0.50% · 4.625%
HK$115,748
+HK$6,639/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,218/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,220
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,283
−HK$3,108/mo
Today · 4.125%
HK$120,391
baseline
▲ 0.50% · 4.625%
HK$126,737
+HK$6,346/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,782/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,005
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,111
−HK$4,172/mo
Today · 4.125%
HK$140,283
baseline
▲ 0.50% · 4.625%
HK$148,819
+HK$8,536/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,566/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,854
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,793
−HK$3,996/mo
Today · 4.125%
HK$154,789
baseline
▲ 0.50% · 4.625%
HK$162,948
+HK$8,159/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,578/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,859 · Scale 2, in force from 26 Feb 2026)