LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,401
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,685
−HK$2,319/mo
Today · 4.125%
HK$78,004
baseline
▲ 0.50% · 4.625%
HK$82,751
+HK$4,747/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$156,008/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,658
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,848
−HK$2,222/mo
Today · 4.125%
HK$86,070
baseline
▲ 0.50% · 4.625%
HK$90,607
+HK$4,537/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,140/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,082
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,821
−HK$2,784/mo
Today · 4.125%
HK$93,605
baseline
▲ 0.50% · 4.625%
HK$99,301
+HK$5,696/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$187,210/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,990
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,618
−HK$2,666/mo
Today · 4.125%
HK$103,284
baseline
▲ 0.50% · 4.625%
HK$108,728
+HK$5,444/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$206,568/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,762
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,958
−HK$3,248/mo
Today · 4.125%
HK$109,206
baseline
▲ 0.50% · 4.625%
HK$115,851
+HK$6,645/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,412/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,322
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,388
−HK$3,110/mo
Today · 4.125%
HK$120,498
baseline
▲ 0.50% · 4.625%
HK$126,850
+HK$6,352/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,996/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,122
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$136,232
−HK$4,176/mo
Today · 4.125%
HK$140,408
baseline
▲ 0.50% · 4.625%
HK$148,951
+HK$8,543/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,816/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,985
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$150,927
−HK$3,999/mo
Today · 4.125%
HK$154,926
baseline
▲ 0.50% · 4.625%
HK$163,092
+HK$8,166/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,852/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,074 · Scale 2, in force from 26 Feb 2026)