LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,397
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,680
−HK$2,320/mo
Today · 4.125%
HK$78,000
baseline
▲ 0.50% · 4.625%
HK$82,746
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$156,000/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,654
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,843
−HK$2,222/mo
Today · 4.125%
HK$86,065
baseline
▲ 0.50% · 4.625%
HK$90,602
+HK$4,537/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,130/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,077
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,816
−HK$2,784/mo
Today · 4.125%
HK$93,600
baseline
▲ 0.50% · 4.625%
HK$99,295
+HK$5,695/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$187,200/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,984
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,612
−HK$2,666/mo
Today · 4.125%
HK$103,278
baseline
▲ 0.50% · 4.625%
HK$108,722
+HK$5,444/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$206,556/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,756
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,952
−HK$3,248/mo
Today · 4.125%
HK$109,200
baseline
▲ 0.50% · 4.625%
HK$115,844
+HK$6,644/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,400/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,315
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,381
−HK$3,110/mo
Today · 4.125%
HK$120,491
baseline
▲ 0.50% · 4.625%
HK$126,842
+HK$6,351/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,982/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,115
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$136,224
−HK$4,176/mo
Today · 4.125%
HK$140,400
baseline
▲ 0.50% · 4.625%
HK$148,943
+HK$8,543/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,800/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,976
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$150,918
−HK$3,999/mo
Today · 4.125%
HK$154,917
baseline
▲ 0.50% · 4.625%
HK$163,083
+HK$8,166/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,834/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,994 · Scale 2, in force from 26 Feb 2026)