LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,386
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,669
−HK$2,319/mo
Today · 4.125%
HK$77,988
baseline
▲ 0.50% · 4.625%
HK$82,734
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,976/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,642
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,831
−HK$2,222/mo
Today · 4.125%
HK$86,053
baseline
▲ 0.50% · 4.625%
HK$90,588
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,106/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,064
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,803
−HK$2,783/mo
Today · 4.125%
HK$93,586
baseline
▲ 0.50% · 4.625%
HK$99,281
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,172/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,970
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,598
−HK$2,665/mo
Today · 4.125%
HK$103,263
baseline
▲ 0.50% · 4.625%
HK$108,706
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,526/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,741
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,937
−HK$3,247/mo
Today · 4.125%
HK$109,184
baseline
▲ 0.50% · 4.625%
HK$115,827
+HK$6,643/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,368/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,298
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,364
−HK$3,110/mo
Today · 4.125%
HK$120,474
baseline
▲ 0.50% · 4.625%
HK$126,824
+HK$6,350/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,948/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,096
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,205
−HK$4,174/mo
Today · 4.125%
HK$140,379
baseline
▲ 0.50% · 4.625%
HK$148,921
+HK$8,542/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,758/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,955
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,896
−HK$3,999/mo
Today · 4.125%
HK$154,895
baseline
▲ 0.50% · 4.625%
HK$163,059
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,790/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,795 · Scale 2, in force from 26 Feb 2026)