LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,320
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,570
−HK$2,285/mo
Today · 4.125%
HK$76,855
baseline
▲ 0.50% · 4.625%
HK$81,532
+HK$4,677/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,710/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,455
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,613
−HK$2,189/mo
Today · 4.125%
HK$84,802
baseline
▲ 0.50% · 4.625%
HK$89,272
+HK$4,470/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,604/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,784
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,484
−HK$2,742/mo
Today · 4.125%
HK$92,226
baseline
▲ 0.50% · 4.625%
HK$97,838
+HK$5,612/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,452/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,547
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,136
−HK$2,627/mo
Today · 4.125%
HK$101,763
baseline
▲ 0.50% · 4.625%
HK$107,127
+HK$5,364/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,526/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,248
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,398
−HK$3,199/mo
Today · 4.125%
HK$107,597
baseline
▲ 0.50% · 4.625%
HK$114,144
+HK$6,547/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,194/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,638
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,658
−HK$3,065/mo
Today · 4.125%
HK$118,723
baseline
▲ 0.50% · 4.625%
HK$124,981
+HK$6,258/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,446/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,176
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$134,225
−HK$4,114/mo
Today · 4.125%
HK$138,339
baseline
▲ 0.50% · 4.625%
HK$146,757
+HK$8,418/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,678/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,820
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,704
−HK$3,940/mo
Today · 4.125%
HK$152,644
baseline
▲ 0.50% · 4.625%
HK$160,690
+HK$8,046/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,288/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,922 · Scale 2, in force from 26 Feb 2026)