LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,290
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,539
−HK$2,284/mo
Today · 4.125%
HK$76,823
baseline
▲ 0.50% · 4.625%
HK$81,498
+HK$4,675/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,646/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,422
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,579
−HK$2,188/mo
Today · 4.125%
HK$84,767
baseline
▲ 0.50% · 4.625%
HK$89,235
+HK$4,468/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,534/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,748
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,446
−HK$2,742/mo
Today · 4.125%
HK$92,188
baseline
▲ 0.50% · 4.625%
HK$97,797
+HK$5,609/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,376/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,506
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,094
−HK$2,626/mo
Today · 4.125%
HK$101,720
baseline
▲ 0.50% · 4.625%
HK$107,082
+HK$5,362/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,440/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,206
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,354
−HK$3,198/mo
Today · 4.125%
HK$107,552
baseline
▲ 0.50% · 4.625%
HK$114,097
+HK$6,545/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,104/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,591
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,610
−HK$3,064/mo
Today · 4.125%
HK$118,674
baseline
▲ 0.50% · 4.625%
HK$124,929
+HK$6,255/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,348/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,122
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,169
−HK$4,113/mo
Today · 4.125%
HK$138,282
baseline
▲ 0.50% · 4.625%
HK$146,696
+HK$8,414/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,564/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,759
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,642
−HK$3,938/mo
Today · 4.125%
HK$152,580
baseline
▲ 0.50% · 4.625%
HK$160,623
+HK$8,043/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,160/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,359 · Scale 2, in force from 26 Feb 2026)