LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,482
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,736
−HK$2,291/mo
Today · 4.125%
HK$77,027
baseline
▲ 0.50% · 4.625%
HK$81,714
+HK$4,687/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,054/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,635
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,798
−HK$2,193/mo
Today · 4.125%
HK$84,991
baseline
▲ 0.50% · 4.625%
HK$89,472
+HK$4,481/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,982/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,978
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,683
−HK$2,749/mo
Today · 4.125%
HK$92,432
baseline
▲ 0.50% · 4.625%
HK$98,056
+HK$5,624/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,864/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,762
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,357
−HK$2,633/mo
Today · 4.125%
HK$101,990
baseline
▲ 0.50% · 4.625%
HK$107,366
+HK$5,376/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,980/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,474
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,631
−HK$3,207/mo
Today · 4.125%
HK$107,838
baseline
▲ 0.50% · 4.625%
HK$114,399
+HK$6,561/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,676/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,889
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,917
−HK$3,071/mo
Today · 4.125%
HK$118,988
baseline
▲ 0.50% · 4.625%
HK$125,260
+HK$6,272/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$237,976/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,467
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$134,525
−HK$4,123/mo
Today · 4.125%
HK$138,648
baseline
▲ 0.50% · 4.625%
HK$147,085
+HK$8,437/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,296/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,143
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$149,036
−HK$3,949/mo
Today · 4.125%
HK$152,985
baseline
▲ 0.50% · 4.625%
HK$161,049
+HK$8,064/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$305,970/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,931 · Scale 2, in force from 26 Feb 2026)