LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,274
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,522
−HK$2,284/mo
Today · 4.125%
HK$76,806
baseline
▲ 0.50% · 4.625%
HK$81,480
+HK$4,674/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,612/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,404
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,561
−HK$2,187/mo
Today · 4.125%
HK$84,748
baseline
▲ 0.50% · 4.625%
HK$89,216
+HK$4,468/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,496/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,729
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,427
−HK$2,741/mo
Today · 4.125%
HK$92,168
baseline
▲ 0.50% · 4.625%
HK$97,776
+HK$5,608/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,336/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,485
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,073
−HK$2,625/mo
Today · 4.125%
HK$101,698
baseline
▲ 0.50% · 4.625%
HK$107,059
+HK$5,361/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,396/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,184
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,331
−HK$3,198/mo
Today · 4.125%
HK$107,529
baseline
▲ 0.50% · 4.625%
HK$114,072
+HK$6,543/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,058/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,566
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,585
−HK$3,063/mo
Today · 4.125%
HK$118,648
baseline
▲ 0.50% · 4.625%
HK$124,902
+HK$6,254/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,296/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,094
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,140
−HK$4,112/mo
Today · 4.125%
HK$138,252
baseline
▲ 0.50% · 4.625%
HK$146,664
+HK$8,412/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,504/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,728
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,609
−HK$3,938/mo
Today · 4.125%
HK$152,547
baseline
▲ 0.50% · 4.625%
HK$160,588
+HK$8,041/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,094/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,067 · Scale 2, in force from 26 Feb 2026)