LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,479
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,734
−HK$2,290/mo
Today · 4.125%
HK$77,024
baseline
▲ 0.50% · 4.625%
HK$81,711
+HK$4,687/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,048/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,632
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,795
−HK$2,194/mo
Today · 4.125%
HK$84,989
baseline
▲ 0.50% · 4.625%
HK$89,468
+HK$4,479/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,978/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,975
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,680
−HK$2,749/mo
Today · 4.125%
HK$92,429
baseline
▲ 0.50% · 4.625%
HK$98,053
+HK$5,624/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,858/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,759
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,354
−HK$2,632/mo
Today · 4.125%
HK$101,986
baseline
▲ 0.50% · 4.625%
HK$107,362
+HK$5,376/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,972/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,471
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,627
−HK$3,207/mo
Today · 4.125%
HK$107,834
baseline
▲ 0.50% · 4.625%
HK$114,395
+HK$6,561/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,668/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,885
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,913
−HK$3,071/mo
Today · 4.125%
HK$118,984
baseline
▲ 0.50% · 4.625%
HK$125,256
+HK$6,272/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$237,968/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,462
−HK$8,182/mo
▼ 0.25% · 3.875%
HK$134,521
−HK$4,123/mo
Today · 4.125%
HK$138,644
baseline
▲ 0.50% · 4.625%
HK$147,080
+HK$8,436/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,288/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,138
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$149,031
−HK$3,948/mo
Today · 4.125%
HK$152,979
baseline
▲ 0.50% · 4.625%
HK$161,043
+HK$8,064/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$305,958/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,885 · Scale 2, in force from 26 Feb 2026)