LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,383
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,665
−HK$2,320/mo
Today · 4.125%
HK$77,985
baseline
▲ 0.50% · 4.625%
HK$82,730
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,970/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,638
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,827
−HK$2,221/mo
Today · 4.125%
HK$86,048
baseline
▲ 0.50% · 4.625%
HK$90,584
+HK$4,536/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,096/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,059
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,798
−HK$2,783/mo
Today · 4.125%
HK$93,581
baseline
▲ 0.50% · 4.625%
HK$99,276
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,162/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,965
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,593
−HK$2,665/mo
Today · 4.125%
HK$103,258
baseline
▲ 0.50% · 4.625%
HK$108,701
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,516/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,736
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,932
−HK$3,246/mo
Today · 4.125%
HK$109,178
baseline
▲ 0.50% · 4.625%
HK$115,822
+HK$6,644/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,356/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,293
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,358
−HK$3,110/mo
Today · 4.125%
HK$120,468
baseline
▲ 0.50% · 4.625%
HK$126,818
+HK$6,350/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,936/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,089
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,198
−HK$4,174/mo
Today · 4.125%
HK$140,372
baseline
▲ 0.50% · 4.625%
HK$148,913
+HK$8,541/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,744/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,948
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,889
−HK$3,998/mo
Today · 4.125%
HK$154,887
baseline
▲ 0.50% · 4.625%
HK$163,051
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,774/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,728 · Scale 2, in force from 26 Feb 2026)