LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,288
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,537
−HK$2,284/mo
Today · 4.125%
HK$76,821
baseline
▲ 0.50% · 4.625%
HK$81,495
+HK$4,674/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,642/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,420
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,577
−HK$2,188/mo
Today · 4.125%
HK$84,765
baseline
▲ 0.50% · 4.625%
HK$89,233
+HK$4,468/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,530/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,746
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,444
−HK$2,741/mo
Today · 4.125%
HK$92,185
baseline
▲ 0.50% · 4.625%
HK$97,795
+HK$5,610/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,370/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,504
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,092
−HK$2,625/mo
Today · 4.125%
HK$101,717
baseline
▲ 0.50% · 4.625%
HK$107,079
+HK$5,362/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,434/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,203
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,351
−HK$3,199/mo
Today · 4.125%
HK$107,550
baseline
▲ 0.50% · 4.625%
HK$114,094
+HK$6,544/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,100/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,588
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,607
−HK$3,063/mo
Today · 4.125%
HK$118,670
baseline
▲ 0.50% · 4.625%
HK$124,926
+HK$6,256/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,340/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,118
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,166
−HK$4,112/mo
Today · 4.125%
HK$138,278
baseline
▲ 0.50% · 4.625%
HK$146,692
+HK$8,414/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,556/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,755
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,638
−HK$3,938/mo
Today · 4.125%
HK$152,576
baseline
▲ 0.50% · 4.625%
HK$160,619
+HK$8,043/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,152/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,323 · Scale 2, in force from 26 Feb 2026)