LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,272
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,520
−HK$2,284/mo
Today · 4.125%
HK$76,804
baseline
▲ 0.50% · 4.625%
HK$81,477
+HK$4,673/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,608/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,401
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,558
−HK$2,187/mo
Today · 4.125%
HK$84,745
baseline
▲ 0.50% · 4.625%
HK$89,212
+HK$4,467/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,490/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,726
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,423
−HK$2,741/mo
Today · 4.125%
HK$92,164
baseline
▲ 0.50% · 4.625%
HK$97,772
+HK$5,608/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,328/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,482
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,069
−HK$2,625/mo
Today · 4.125%
HK$101,694
baseline
▲ 0.50% · 4.625%
HK$107,055
+HK$5,361/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,388/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,180
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,327
−HK$3,198/mo
Today · 4.125%
HK$107,525
baseline
▲ 0.50% · 4.625%
HK$114,068
+HK$6,543/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,050/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,562
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,581
−HK$3,062/mo
Today · 4.125%
HK$118,643
baseline
▲ 0.50% · 4.625%
HK$124,897
+HK$6,254/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,286/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,089
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$134,135
−HK$4,111/mo
Today · 4.125%
HK$138,246
baseline
▲ 0.50% · 4.625%
HK$146,658
+HK$8,412/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,492/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,722
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,604
−HK$3,937/mo
Today · 4.125%
HK$152,541
baseline
▲ 0.50% · 4.625%
HK$160,582
+HK$8,041/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,082/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,015 · Scale 2, in force from 26 Feb 2026)