LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,350
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,632
−HK$2,318/mo
Today · 4.125%
HK$77,950
baseline
▲ 0.50% · 4.625%
HK$82,693
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,900/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,601
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,790
−HK$2,220/mo
Today · 4.125%
HK$86,010
baseline
▲ 0.50% · 4.625%
HK$90,544
+HK$4,534/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,020/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,020
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,758
−HK$2,782/mo
Today · 4.125%
HK$93,540
baseline
▲ 0.50% · 4.625%
HK$99,231
+HK$5,691/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,080/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,921
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,548
−HK$2,664/mo
Today · 4.125%
HK$103,212
baseline
▲ 0.50% · 4.625%
HK$108,652
+HK$5,440/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,424/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,690
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,884
−HK$3,246/mo
Today · 4.125%
HK$109,130
baseline
▲ 0.50% · 4.625%
HK$115,770
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,260/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,242
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,306
−HK$3,108/mo
Today · 4.125%
HK$120,414
baseline
▲ 0.50% · 4.625%
HK$126,761
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,828/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,030
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,137
−HK$4,172/mo
Today · 4.125%
HK$140,309
baseline
▲ 0.50% · 4.625%
HK$148,847
+HK$8,538/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$1,367,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,882
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,821
−HK$3,997/mo
Today · 4.125%
HK$154,818
baseline
▲ 0.50% · 4.625%
HK$162,978
+HK$8,160/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,636/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,117 · Scale 2, in force from 26 Feb 2026)