LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,358
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,609
−HK$2,286/mo
Today · 4.125%
HK$76,895
baseline
▲ 0.50% · 4.625%
HK$81,574
+HK$4,679/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,790/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,497
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,656
−HK$2,190/mo
Today · 4.125%
HK$84,846
baseline
▲ 0.50% · 4.625%
HK$89,319
+HK$4,473/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,692/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,829
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,530
−HK$2,744/mo
Today · 4.125%
HK$92,274
baseline
▲ 0.50% · 4.625%
HK$97,889
+HK$5,615/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,548/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,597
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,188
−HK$2,628/mo
Today · 4.125%
HK$101,816
baseline
▲ 0.50% · 4.625%
HK$107,183
+HK$5,367/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,632/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,301
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,452
−HK$3,201/mo
Today · 4.125%
HK$107,653
baseline
▲ 0.50% · 4.625%
HK$114,204
+HK$6,551/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$215,306/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,696
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,719
−HK$3,066/mo
Today · 4.125%
HK$118,785
baseline
▲ 0.50% · 4.625%
HK$125,046
+HK$6,261/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$237,570/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,244
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,295
−HK$4,117/mo
Today · 4.125%
HK$138,412
baseline
▲ 0.50% · 4.625%
HK$146,834
+HK$8,422/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,824/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,895
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$148,781
−HK$3,943/mo
Today · 4.125%
HK$152,724
baseline
▲ 0.50% · 4.625%
HK$160,774
+HK$8,050/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,448/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,624 · Scale 2, in force from 26 Feb 2026)