LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,360
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,642
−HK$2,318/mo
Today · 4.125%
HK$77,960
baseline
▲ 0.50% · 4.625%
HK$82,704
+HK$4,744/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,920/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,612
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,801
−HK$2,221/mo
Today · 4.125%
HK$86,022
baseline
▲ 0.50% · 4.625%
HK$90,556
+HK$4,534/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,044/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,032
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,770
−HK$2,782/mo
Today · 4.125%
HK$93,552
baseline
▲ 0.50% · 4.625%
HK$99,245
+HK$5,693/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,104/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,935
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,561
−HK$2,665/mo
Today · 4.125%
HK$103,226
baseline
▲ 0.50% · 4.625%
HK$108,667
+HK$5,441/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,452/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,704
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,899
−HK$3,246/mo
Today · 4.125%
HK$109,145
baseline
▲ 0.50% · 4.625%
HK$115,786
+HK$6,641/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,290/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,257
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,322
−HK$3,108/mo
Today · 4.125%
HK$120,430
baseline
▲ 0.50% · 4.625%
HK$126,778
+HK$6,348/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,860/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,048
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,156
−HK$4,173/mo
Today · 4.125%
HK$140,329
baseline
▲ 0.50% · 4.625%
HK$148,867
+HK$8,538/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,658/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,902
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,842
−HK$3,997/mo
Today · 4.125%
HK$154,839
baseline
▲ 0.50% · 4.625%
HK$163,001
+HK$8,162/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,678/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,304 · Scale 2, in force from 26 Feb 2026)