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$1,367,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,603
−HK$4,408/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$1,367,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,022
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,760
−HK$2,781/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$1,367,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,923
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,549
−HK$2,665/mo
Today · 4.125%
HK$103,214
baseline
▲ 0.50% · 4.625%
HK$108,654
+HK$5,440/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,428/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,692
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,886
−HK$3,246/mo
Today · 4.125%
HK$109,132
baseline
▲ 0.50% · 4.625%
HK$115,772
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,264/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,244
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,308
−HK$3,108/mo
Today · 4.125%
HK$120,416
baseline
▲ 0.50% · 4.625%
HK$126,763
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,832/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,032
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,139
−HK$4,173/mo
Today · 4.125%
HK$140,312
baseline
▲ 0.50% · 4.625%
HK$148,850
+HK$8,538/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,624/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,885
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,824
−HK$3,996/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$1,367,141 · Scale 2, in force from 26 Feb 2026)