LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,382
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,664
−HK$2,319/mo
Today · 4.125%
HK$77,983
baseline
▲ 0.50% · 4.625%
HK$82,728
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,966/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,636
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,826
−HK$2,221/mo
Today · 4.125%
HK$86,047
baseline
▲ 0.50% · 4.625%
HK$90,582
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,094/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,058
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,797
−HK$2,783/mo
Today · 4.125%
HK$93,580
baseline
▲ 0.50% · 4.625%
HK$99,274
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,160/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,963
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,591
−HK$2,665/mo
Today · 4.125%
HK$103,256
baseline
▲ 0.50% · 4.625%
HK$108,699
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,512/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,734
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,930
−HK$3,247/mo
Today · 4.125%
HK$109,177
baseline
▲ 0.50% · 4.625%
HK$115,820
+HK$6,643/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,354/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,291
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,356
−HK$3,110/mo
Today · 4.125%
HK$120,466
baseline
▲ 0.50% · 4.625%
HK$126,815
+HK$6,349/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,932/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,087
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,195
−HK$4,175/mo
Today · 4.125%
HK$140,370
baseline
▲ 0.50% · 4.625%
HK$148,911
+HK$8,541/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,740/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,945
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,886
−HK$3,998/mo
Today · 4.125%
HK$154,884
baseline
▲ 0.50% · 4.625%
HK$163,048
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,768/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,704 · Scale 2, in force from 26 Feb 2026)