LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,348
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,630
−HK$2,318/mo
Today · 4.125%
HK$77,948
baseline
▲ 0.50% · 4.625%
HK$82,691
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,896/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,599
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,787
−HK$2,220/mo
Today · 4.125%
HK$86,007
baseline
▲ 0.50% · 4.625%
HK$90,541
+HK$4,534/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,014/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,018
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,755
−HK$2,782/mo
Today · 4.125%
HK$93,537
baseline
▲ 0.50% · 4.625%
HK$99,229
+HK$5,692/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,074/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,919
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,545
−HK$2,664/mo
Today · 4.125%
HK$103,209
baseline
▲ 0.50% · 4.625%
HK$108,649
+HK$5,440/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,418/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,687
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,881
−HK$3,246/mo
Today · 4.125%
HK$109,127
baseline
▲ 0.50% · 4.625%
HK$115,767
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,254/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,239
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,302
−HK$3,108/mo
Today · 4.125%
HK$120,410
baseline
▲ 0.50% · 4.625%
HK$126,758
+HK$6,348/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,820/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,026
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,133
−HK$4,173/mo
Today · 4.125%
HK$140,306
baseline
▲ 0.50% · 4.625%
HK$148,843
+HK$8,537/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,612/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,878
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,817
−HK$3,996/mo
Today · 4.125%
HK$154,813
baseline
▲ 0.50% · 4.625%
HK$162,974
+HK$8,161/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,626/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,080 · Scale 2, in force from 26 Feb 2026)