LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,389
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,672
−HK$2,319/mo
Today · 4.125%
HK$77,991
baseline
▲ 0.50% · 4.625%
HK$82,737
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,982/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,644
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,834
−HK$2,221/mo
Today · 4.125%
HK$86,055
baseline
▲ 0.50% · 4.625%
HK$90,592
+HK$4,537/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,110/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,067
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,806
−HK$2,783/mo
Today · 4.125%
HK$93,589
baseline
▲ 0.50% · 4.625%
HK$99,284
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,178/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,973
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,601
−HK$2,666/mo
Today · 4.125%
HK$103,267
baseline
▲ 0.50% · 4.625%
HK$108,710
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,534/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,745
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,940
−HK$3,248/mo
Today · 4.125%
HK$109,188
baseline
▲ 0.50% · 4.625%
HK$115,831
+HK$6,643/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,376/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,302
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,368
−HK$3,110/mo
Today · 4.125%
HK$120,478
baseline
▲ 0.50% · 4.625%
HK$126,828
+HK$6,350/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,956/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,100
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$136,209
−HK$4,175/mo
Today · 4.125%
HK$140,384
baseline
▲ 0.50% · 4.625%
HK$148,926
+HK$8,542/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,768/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,960
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,901
−HK$3,999/mo
Today · 4.125%
HK$154,900
baseline
▲ 0.50% · 4.625%
HK$163,065
+HK$8,165/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,800/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,842 · Scale 2, in force from 26 Feb 2026)