LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,368
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,651
−HK$2,318/mo
Today · 4.125%
HK$77,969
baseline
▲ 0.50% · 4.625%
HK$82,714
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,938/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,622
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,811
−HK$2,220/mo
Today · 4.125%
HK$86,031
baseline
▲ 0.50% · 4.625%
HK$90,566
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,062/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,042
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,781
−HK$2,782/mo
Today · 4.125%
HK$93,563
baseline
▲ 0.50% · 4.625%
HK$99,256
+HK$5,693/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,126/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,946
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,573
−HK$2,665/mo
Today · 4.125%
HK$103,238
baseline
▲ 0.50% · 4.625%
HK$108,680
+HK$5,442/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,476/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,716
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,911
−HK$3,246/mo
Today · 4.125%
HK$109,157
baseline
▲ 0.50% · 4.625%
HK$115,799
+HK$6,642/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,314/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,270
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,335
−HK$3,109/mo
Today · 4.125%
HK$120,444
baseline
▲ 0.50% · 4.625%
HK$126,793
+HK$6,349/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,888/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,063
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$136,171
−HK$4,174/mo
Today · 4.125%
HK$140,345
baseline
▲ 0.50% · 4.625%
HK$148,884
+HK$8,539/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,690/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,919
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$150,859
−HK$3,998/mo
Today · 4.125%
HK$154,857
baseline
▲ 0.50% · 4.625%
HK$163,019
+HK$8,162/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,714/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,460 · Scale 2, in force from 26 Feb 2026)