LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,351
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,633
−HK$2,318/mo
Today · 4.125%
HK$77,951
baseline
▲ 0.50% · 4.625%
HK$82,694
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,902/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,602
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,791
−HK$2,220/mo
Today · 4.125%
HK$86,011
baseline
▲ 0.50% · 4.625%
HK$90,545
+HK$4,534/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,022/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,021
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,759
−HK$2,782/mo
Today · 4.125%
HK$93,541
baseline
▲ 0.50% · 4.625%
HK$99,233
+HK$5,692/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,082/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,923
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,549
−HK$2,664/mo
Today · 4.125%
HK$103,213
baseline
▲ 0.50% · 4.625%
HK$108,654
+HK$5,441/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,426/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,691
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,886
−HK$3,245/mo
Today · 4.125%
HK$109,131
baseline
▲ 0.50% · 4.625%
HK$115,771
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,262/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,243
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,307
−HK$3,108/mo
Today · 4.125%
HK$120,415
baseline
▲ 0.50% · 4.625%
HK$126,763
+HK$6,348/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,830/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,032
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,139
−HK$4,172/mo
Today · 4.125%
HK$140,311
baseline
▲ 0.50% · 4.625%
HK$148,849
+HK$8,538/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,622/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,884
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,823
−HK$3,997/mo
Today · 4.125%
HK$154,820
baseline
▲ 0.50% · 4.625%
HK$162,981
+HK$8,161/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,640/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,135 · Scale 2, in force from 26 Feb 2026)