LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,340
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,621
−HK$2,318/mo
Today · 4.125%
HK$77,939
baseline
▲ 0.50% · 4.625%
HK$82,681
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,878/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,590
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,778
−HK$2,220/mo
Today · 4.125%
HK$85,998
baseline
▲ 0.50% · 4.625%
HK$90,531
+HK$4,533/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,996/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,008
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,746
−HK$2,781/mo
Today · 4.125%
HK$93,527
baseline
▲ 0.50% · 4.625%
HK$99,218
+HK$5,691/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,054/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,908
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,534
−HK$2,664/mo
Today · 4.125%
HK$103,198
baseline
▲ 0.50% · 4.625%
HK$108,637
+HK$5,439/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,396/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,676
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,870
−HK$3,245/mo
Today · 4.125%
HK$109,115
baseline
▲ 0.50% · 4.625%
HK$115,754
+HK$6,639/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,230/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,226
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,290
−HK$3,107/mo
Today · 4.125%
HK$120,397
baseline
▲ 0.50% · 4.625%
HK$126,744
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,794/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,012
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,118
−HK$4,172/mo
Today · 4.125%
HK$140,290
baseline
▲ 0.50% · 4.625%
HK$148,827
+HK$8,537/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,580/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,862
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,801
−HK$3,996/mo
Today · 4.125%
HK$154,797
baseline
▲ 0.50% · 4.625%
HK$162,956
+HK$8,159/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,594/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,930 · Scale 2, in force from 26 Feb 2026)