LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,296
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,545
−HK$2,285/mo
Today · 4.125%
HK$76,830
baseline
▲ 0.50% · 4.625%
HK$81,505
+HK$4,675/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,660/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,429
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,586
−HK$2,188/mo
Today · 4.125%
HK$84,774
baseline
▲ 0.50% · 4.625%
HK$89,243
+HK$4,469/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,548/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,756
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,454
−HK$2,742/mo
Today · 4.125%
HK$92,196
baseline
▲ 0.50% · 4.625%
HK$97,806
+HK$5,610/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,392/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,515
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,103
−HK$2,626/mo
Today · 4.125%
HK$101,729
baseline
▲ 0.50% · 4.625%
HK$107,092
+HK$5,363/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,458/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,215
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,363
−HK$3,199/mo
Today · 4.125%
HK$107,562
baseline
▲ 0.50% · 4.625%
HK$114,107
+HK$6,545/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,124/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,601
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,621
−HK$3,063/mo
Today · 4.125%
HK$118,684
baseline
▲ 0.50% · 4.625%
HK$124,940
+HK$6,256/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,368/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,134
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,182
−HK$4,112/mo
Today · 4.125%
HK$138,294
baseline
▲ 0.50% · 4.625%
HK$146,709
+HK$8,415/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,588/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,772
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,655
−HK$3,939/mo
Today · 4.125%
HK$152,594
baseline
▲ 0.50% · 4.625%
HK$160,637
+HK$8,043/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,188/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,480 · Scale 2, in force from 26 Feb 2026)