LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,262
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,510
−HK$2,284/mo
Today · 4.125%
HK$76,794
baseline
▲ 0.50% · 4.625%
HK$81,466
+HK$4,672/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,588/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,391
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,547
−HK$2,187/mo
Today · 4.125%
HK$84,734
baseline
▲ 0.50% · 4.625%
HK$89,201
+HK$4,467/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,468/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,715
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,412
−HK$2,740/mo
Today · 4.125%
HK$92,152
baseline
▲ 0.50% · 4.625%
HK$97,760
+HK$5,608/mo
Deposit HK$12.68M · loan HK$19.01M · min. income ≈ HK$184,304/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,469
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,056
−HK$2,625/mo
Today · 4.125%
HK$101,681
baseline
▲ 0.50% · 4.625%
HK$107,041
+HK$5,360/mo
Deposit HK$12.68M · loan HK$19.01M · min. income ≈ HK$203,362/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,167
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,314
−HK$3,197/mo
Today · 4.125%
HK$107,511
baseline
▲ 0.50% · 4.625%
HK$114,053
+HK$6,542/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$215,022/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,547
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,566
−HK$3,062/mo
Today · 4.125%
HK$118,628
baseline
▲ 0.50% · 4.625%
HK$124,881
+HK$6,253/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$237,256/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,072
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$134,118
−HK$4,110/mo
Today · 4.125%
HK$138,228
baseline
▲ 0.50% · 4.625%
HK$146,639
+HK$8,411/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$276,456/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,704
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$148,584
−HK$3,937/mo
Today · 4.125%
HK$152,521
baseline
▲ 0.50% · 4.625%
HK$160,561
+HK$8,040/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$305,042/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,840 · Scale 2, in force from 26 Feb 2026)