LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,346
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,628
−HK$2,317/mo
Today · 4.125%
HK$77,945
baseline
▲ 0.50% · 4.625%
HK$82,688
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,890/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,597
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,785
−HK$2,220/mo
Today · 4.125%
HK$86,005
baseline
▲ 0.50% · 4.625%
HK$90,539
+HK$4,534/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,010/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,015
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,753
−HK$2,782/mo
Today · 4.125%
HK$93,535
baseline
▲ 0.50% · 4.625%
HK$99,226
+HK$5,691/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,070/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,916
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,542
−HK$2,664/mo
Today · 4.125%
HK$103,206
baseline
▲ 0.50% · 4.625%
HK$108,646
+HK$5,440/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,412/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,684
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,879
−HK$3,245/mo
Today · 4.125%
HK$109,124
baseline
▲ 0.50% · 4.625%
HK$115,764
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,248/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,235
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,299
−HK$3,108/mo
Today · 4.125%
HK$120,407
baseline
▲ 0.50% · 4.625%
HK$126,754
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,814/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,023
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,130
−HK$4,172/mo
Today · 4.125%
HK$140,302
baseline
▲ 0.50% · 4.625%
HK$148,839
+HK$8,537/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,604/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,874
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,813
−HK$3,996/mo
Today · 4.125%
HK$154,809
baseline
▲ 0.50% · 4.625%
HK$162,969
+HK$8,160/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,618/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,042 · Scale 2, in force from 26 Feb 2026)