LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,293
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,542
−HK$2,284/mo
Today · 4.125%
HK$76,826
baseline
▲ 0.50% · 4.625%
HK$81,501
+HK$4,675/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,652/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,425
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,582
−HK$2,188/mo
Today · 4.125%
HK$84,770
baseline
▲ 0.50% · 4.625%
HK$89,239
+HK$4,469/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,540/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,752
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,450
−HK$2,742/mo
Today · 4.125%
HK$92,192
baseline
▲ 0.50% · 4.625%
HK$97,801
+HK$5,609/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,384/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,510
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,099
−HK$2,625/mo
Today · 4.125%
HK$101,724
baseline
▲ 0.50% · 4.625%
HK$107,087
+HK$5,363/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,448/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,210
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,358
−HK$3,199/mo
Today · 4.125%
HK$107,557
baseline
▲ 0.50% · 4.625%
HK$114,102
+HK$6,545/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,114/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,595
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,615
−HK$3,064/mo
Today · 4.125%
HK$118,679
baseline
▲ 0.50% · 4.625%
HK$124,934
+HK$6,255/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,358/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,127
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$134,175
−HK$4,113/mo
Today · 4.125%
HK$138,288
baseline
▲ 0.50% · 4.625%
HK$146,702
+HK$8,414/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,576/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,765
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,648
−HK$3,939/mo
Today · 4.125%
HK$152,587
baseline
▲ 0.50% · 4.625%
HK$160,630
+HK$8,043/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,174/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,416 · Scale 2, in force from 26 Feb 2026)