LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,350
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,631
−HK$2,318/mo
Today · 4.125%
HK$77,949
baseline
▲ 0.50% · 4.625%
HK$82,692
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,898/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,601
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,789
−HK$2,220/mo
Today · 4.125%
HK$86,009
baseline
▲ 0.50% · 4.625%
HK$90,543
+HK$4,534/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,018/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,019
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,757
−HK$2,782/mo
Today · 4.125%
HK$93,539
baseline
▲ 0.50% · 4.625%
HK$99,231
+HK$5,692/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,078/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,921
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,547
−HK$2,664/mo
Today · 4.125%
HK$103,211
baseline
▲ 0.50% · 4.625%
HK$108,651
+HK$5,440/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,422/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,689
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,884
−HK$3,245/mo
Today · 4.125%
HK$109,129
baseline
▲ 0.50% · 4.625%
HK$115,769
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,258/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,241
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,305
−HK$3,108/mo
Today · 4.125%
HK$120,413
baseline
▲ 0.50% · 4.625%
HK$126,760
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,826/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,029
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,136
−HK$4,173/mo
Today · 4.125%
HK$140,309
baseline
▲ 0.50% · 4.625%
HK$148,846
+HK$8,537/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,618/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,881
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,820
−HK$3,997/mo
Today · 4.125%
HK$154,817
baseline
▲ 0.50% · 4.625%
HK$162,977
+HK$8,160/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,634/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,107 · Scale 2, in force from 26 Feb 2026)