LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,379
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,662
−HK$2,319/mo
Today · 4.125%
HK$77,981
baseline
▲ 0.50% · 4.625%
HK$82,726
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,962/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,634
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,823
−HK$2,221/mo
Today · 4.125%
HK$86,044
baseline
▲ 0.50% · 4.625%
HK$90,580
+HK$4,536/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,088/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,055
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,794
−HK$2,783/mo
Today · 4.125%
HK$93,577
baseline
▲ 0.50% · 4.625%
HK$99,271
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,154/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,961
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,588
−HK$2,665/mo
Today · 4.125%
HK$103,253
baseline
▲ 0.50% · 4.625%
HK$108,696
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,506/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,731
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,927
−HK$3,246/mo
Today · 4.125%
HK$109,173
baseline
▲ 0.50% · 4.625%
HK$115,816
+HK$6,643/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,346/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,287
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,353
−HK$3,109/mo
Today · 4.125%
HK$120,462
baseline
▲ 0.50% · 4.625%
HK$126,812
+HK$6,350/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,924/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,083
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,191
−HK$4,175/mo
Today · 4.125%
HK$140,366
baseline
▲ 0.50% · 4.625%
HK$148,907
+HK$8,541/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,732/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,941
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,882
−HK$3,998/mo
Today · 4.125%
HK$154,880
baseline
▲ 0.50% · 4.625%
HK$163,044
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,760/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,665 · Scale 2, in force from 26 Feb 2026)