LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,393
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,676
−HK$2,319/mo
Today · 4.125%
HK$77,995
baseline
▲ 0.50% · 4.625%
HK$82,741
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,990/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,649
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,839
−HK$2,221/mo
Today · 4.125%
HK$86,060
baseline
▲ 0.50% · 4.625%
HK$90,597
+HK$4,537/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,120/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,072
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,811
−HK$2,783/mo
Today · 4.125%
HK$93,594
baseline
▲ 0.50% · 4.625%
HK$99,289
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,188/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,979
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,606
−HK$2,666/mo
Today · 4.125%
HK$103,272
baseline
▲ 0.50% · 4.625%
HK$108,716
+HK$5,444/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,544/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,750
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,946
−HK$3,248/mo
Today · 4.125%
HK$109,194
baseline
▲ 0.50% · 4.625%
HK$115,838
+HK$6,644/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,388/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,309
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,374
−HK$3,110/mo
Today · 4.125%
HK$120,484
baseline
▲ 0.50% · 4.625%
HK$126,835
+HK$6,351/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,968/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,107
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$136,217
−HK$4,175/mo
Today · 4.125%
HK$140,392
baseline
▲ 0.50% · 4.625%
HK$148,934
+HK$8,542/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,784/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,968
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,910
−HK$3,998/mo
Today · 4.125%
HK$154,908
baseline
▲ 0.50% · 4.625%
HK$163,074
+HK$8,166/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,816/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,917 · Scale 2, in force from 26 Feb 2026)