LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,305
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,554
−HK$2,285/mo
Today · 4.125%
HK$76,839
baseline
▲ 0.50% · 4.625%
HK$81,515
+HK$4,676/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,678/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,439
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,596
−HK$2,189/mo
Today · 4.125%
HK$84,785
baseline
▲ 0.50% · 4.625%
HK$89,254
+HK$4,469/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,570/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,766
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,465
−HK$2,742/mo
Today · 4.125%
HK$92,207
baseline
▲ 0.50% · 4.625%
HK$97,818
+HK$5,611/mo
Deposit HK$12.68M · loan HK$19.03M · min. income ≈ HK$184,414/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,527
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,115
−HK$2,627/mo
Today · 4.125%
HK$101,742
baseline
▲ 0.50% · 4.625%
HK$107,105
+HK$5,363/mo
Deposit HK$12.68M · loan HK$19.03M · min. income ≈ HK$203,484/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,227
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,376
−HK$3,199/mo
Today · 4.125%
HK$107,575
baseline
▲ 0.50% · 4.625%
HK$114,121
+HK$6,546/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,150/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,614
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,635
−HK$3,064/mo
Today · 4.125%
HK$118,699
baseline
▲ 0.50% · 4.625%
HK$124,955
+HK$6,256/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,398/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,149
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,198
−HK$4,113/mo
Today · 4.125%
HK$138,311
baseline
▲ 0.50% · 4.625%
HK$146,727
+HK$8,416/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,622/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,790
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,673
−HK$3,940/mo
Today · 4.125%
HK$152,613
baseline
▲ 0.50% · 4.625%
HK$160,657
+HK$8,044/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,226/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,644 · Scale 2, in force from 26 Feb 2026)