LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,471
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,726
−HK$2,290/mo
Today · 4.125%
HK$77,016
baseline
▲ 0.50% · 4.625%
HK$81,702
+HK$4,686/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,032/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,624
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,786
−HK$2,193/mo
Today · 4.125%
HK$84,979
baseline
▲ 0.50% · 4.625%
HK$89,459
+HK$4,480/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,958/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,966
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,671
−HK$2,748/mo
Today · 4.125%
HK$92,419
baseline
▲ 0.50% · 4.625%
HK$98,042
+HK$5,623/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,838/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,748
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,343
−HK$2,632/mo
Today · 4.125%
HK$101,975
baseline
▲ 0.50% · 4.625%
HK$107,351
+HK$5,376/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,950/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,460
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,616
−HK$3,206/mo
Today · 4.125%
HK$107,822
baseline
▲ 0.50% · 4.625%
HK$114,383
+HK$6,561/mo
Deposit HK$9.53M · loan HK$22.25M · min. income ≈ HK$215,644/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,873
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,900
−HK$3,071/mo
Today · 4.125%
HK$118,971
baseline
▲ 0.50% · 4.625%
HK$125,242
+HK$6,271/mo
Deposit HK$9.53M · loan HK$22.25M · min. income ≈ HK$237,942/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,448
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$134,506
−HK$4,123/mo
Today · 4.125%
HK$138,629
baseline
▲ 0.50% · 4.625%
HK$147,064
+HK$8,435/mo
Deposit HK$3.18M · loan HK$28.60M · min. income ≈ HK$277,258/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,122
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$149,014
−HK$3,949/mo
Today · 4.125%
HK$152,963
baseline
▲ 0.50% · 4.625%
HK$161,026
+HK$8,063/mo
Deposit HK$3.18M · loan HK$28.60M · min. income ≈ HK$305,926/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,738 · Scale 2, in force from 26 Feb 2026)