LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,371
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,654
−HK$2,318/mo
Today · 4.125%
HK$77,972
baseline
▲ 0.50% · 4.625%
HK$82,717
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,944/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,625
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,814
−HK$2,221/mo
Today · 4.125%
HK$86,035
baseline
▲ 0.50% · 4.625%
HK$90,570
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,070/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,046
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,784
−HK$2,783/mo
Today · 4.125%
HK$93,567
baseline
▲ 0.50% · 4.625%
HK$99,260
+HK$5,693/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,134/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,950
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,577
−HK$2,665/mo
Today · 4.125%
HK$103,242
baseline
▲ 0.50% · 4.625%
HK$108,684
+HK$5,442/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,484/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,720
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,915
−HK$3,246/mo
Today · 4.125%
HK$109,161
baseline
▲ 0.50% · 4.625%
HK$115,804
+HK$6,643/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,322/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,275
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,340
−HK$3,109/mo
Today · 4.125%
HK$120,449
baseline
▲ 0.50% · 4.625%
HK$126,798
+HK$6,349/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,898/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,069
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,177
−HK$4,173/mo
Today · 4.125%
HK$140,350
baseline
▲ 0.50% · 4.625%
HK$148,890
+HK$8,540/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,700/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,925
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$150,865
−HK$3,998/mo
Today · 4.125%
HK$154,863
baseline
▲ 0.50% · 4.625%
HK$163,026
+HK$8,163/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,726/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,516 · Scale 2, in force from 26 Feb 2026)