LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,315
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,564
−HK$2,286/mo
Today · 4.125%
HK$76,850
baseline
▲ 0.50% · 4.625%
HK$81,526
+HK$4,676/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,700/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,449
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,607
−HK$2,189/mo
Today · 4.125%
HK$84,796
baseline
▲ 0.50% · 4.625%
HK$89,266
+HK$4,470/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,592/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,778
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,477
−HK$2,742/mo
Today · 4.125%
HK$92,219
baseline
▲ 0.50% · 4.625%
HK$97,831
+HK$5,612/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,438/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,539
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,129
−HK$2,626/mo
Today · 4.125%
HK$101,755
baseline
▲ 0.50% · 4.625%
HK$107,119
+HK$5,364/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,510/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,241
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,390
−HK$3,199/mo
Today · 4.125%
HK$107,589
baseline
▲ 0.50% · 4.625%
HK$114,136
+HK$6,547/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,178/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,629
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,650
−HK$3,064/mo
Today · 4.125%
HK$118,714
baseline
▲ 0.50% · 4.625%
HK$124,972
+HK$6,258/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,428/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,167
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,216
−HK$4,113/mo
Today · 4.125%
HK$138,329
baseline
▲ 0.50% · 4.625%
HK$146,746
+HK$8,417/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,658/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,809
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,693
−HK$3,940/mo
Today · 4.125%
HK$152,633
baseline
▲ 0.50% · 4.625%
HK$160,678
+HK$8,045/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,266/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,822 · Scale 2, in force from 26 Feb 2026)