LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,379
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,630
−HK$2,287/mo
Today · 4.125%
HK$76,917
baseline
▲ 0.50% · 4.625%
HK$81,598
+HK$4,681/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,834/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,521
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,680
−HK$2,191/mo
Today · 4.125%
HK$84,871
baseline
▲ 0.50% · 4.625%
HK$89,345
+HK$4,474/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,742/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,854
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,556
−HK$2,745/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,917
+HK$5,616/mo
Deposit HK$12.70M · loan HK$19.04M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,625
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,216
−HK$2,629/mo
Today · 4.125%
HK$101,845
baseline
▲ 0.50% · 4.625%
HK$107,213
+HK$5,368/mo
Deposit HK$12.70M · loan HK$19.04M · min. income ≈ HK$203,690/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,330
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,482
−HK$3,202/mo
Today · 4.125%
HK$107,684
baseline
▲ 0.50% · 4.625%
HK$114,237
+HK$6,553/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$215,368/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,729
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,752
−HK$3,067/mo
Today · 4.125%
HK$118,819
baseline
▲ 0.50% · 4.625%
HK$125,082
+HK$6,263/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$237,638/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,282
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$134,334
−HK$4,117/mo
Today · 4.125%
HK$138,451
baseline
▲ 0.50% · 4.625%
HK$146,876
+HK$8,425/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$276,902/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,937
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$148,824
−HK$3,944/mo
Today · 4.125%
HK$152,768
baseline
▲ 0.50% · 4.625%
HK$160,820
+HK$8,052/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$305,536/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,013 · Scale 2, in force from 26 Feb 2026)