LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,380
−HK$4,601/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$1,367,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,634
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,824
−HK$2,221/mo
Today · 4.125%
HK$86,045
baseline
▲ 0.50% · 4.625%
HK$90,580
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,090/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,056
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,795
−HK$2,783/mo
Today · 4.125%
HK$93,578
baseline
▲ 0.50% · 4.625%
HK$99,272
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,156/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,961
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,588
−HK$2,666/mo
Today · 4.125%
HK$103,254
baseline
▲ 0.50% · 4.625%
HK$108,696
+HK$5,442/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,508/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,732
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,927
−HK$3,247/mo
Today · 4.125%
HK$109,174
baseline
▲ 0.50% · 4.625%
HK$115,817
+HK$6,643/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,348/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,288
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,353
−HK$3,110/mo
Today · 4.125%
HK$120,463
baseline
▲ 0.50% · 4.625%
HK$126,812
+HK$6,349/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,926/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,084
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,192
−HK$4,175/mo
Today · 4.125%
HK$140,367
baseline
▲ 0.50% · 4.625%
HK$148,908
+HK$8,541/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,734/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,942
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,883
−HK$3,998/mo
Today · 4.125%
HK$154,881
baseline
▲ 0.50% · 4.625%
HK$163,045
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,762/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,673 · Scale 2, in force from 26 Feb 2026)