LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,267
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,515
−HK$2,284/mo
Today · 4.125%
HK$76,799
baseline
▲ 0.50% · 4.625%
HK$81,472
+HK$4,673/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,598/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,397
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,553
−HK$2,187/mo
Today · 4.125%
HK$84,740
baseline
▲ 0.50% · 4.625%
HK$89,207
+HK$4,467/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,480/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,721
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,418
−HK$2,741/mo
Today · 4.125%
HK$92,159
baseline
▲ 0.50% · 4.625%
HK$97,767
+HK$5,608/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,318/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,476
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,063
−HK$2,625/mo
Today · 4.125%
HK$101,688
baseline
▲ 0.50% · 4.625%
HK$107,048
+HK$5,360/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,376/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,174
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,321
−HK$3,198/mo
Today · 4.125%
HK$107,519
baseline
▲ 0.50% · 4.625%
HK$114,061
+HK$6,542/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$215,038/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,555
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,574
−HK$3,062/mo
Today · 4.125%
HK$118,636
baseline
▲ 0.50% · 4.625%
HK$124,890
+HK$6,254/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$237,272/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,081
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$134,127
−HK$4,111/mo
Today · 4.125%
HK$138,238
baseline
▲ 0.50% · 4.625%
HK$146,650
+HK$8,412/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$276,476/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,714
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$148,595
−HK$3,937/mo
Today · 4.125%
HK$152,532
baseline
▲ 0.50% · 4.625%
HK$160,573
+HK$8,041/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$305,064/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,937 · Scale 2, in force from 26 Feb 2026)