LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,485
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,740
−HK$2,291/mo
Today · 4.125%
HK$77,031
baseline
▲ 0.50% · 4.625%
HK$81,718
+HK$4,687/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,062/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,639
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,802
−HK$2,194/mo
Today · 4.125%
HK$84,996
baseline
▲ 0.50% · 4.625%
HK$89,476
+HK$4,480/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,992/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,982
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,688
−HK$2,749/mo
Today · 4.125%
HK$92,437
baseline
▲ 0.50% · 4.625%
HK$98,061
+HK$5,624/mo
Deposit HK$12.72M · loan HK$19.07M · min. income ≈ HK$184,874/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,767
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,362
−HK$2,633/mo
Today · 4.125%
HK$101,995
baseline
▲ 0.50% · 4.625%
HK$107,371
+HK$5,376/mo
Deposit HK$12.72M · loan HK$19.07M · min. income ≈ HK$203,990/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,479
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,636
−HK$3,207/mo
Today · 4.125%
HK$107,843
baseline
▲ 0.50% · 4.625%
HK$114,405
+HK$6,562/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,686/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,895
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,922
−HK$3,072/mo
Today · 4.125%
HK$118,994
baseline
▲ 0.50% · 4.625%
HK$125,266
+HK$6,272/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$237,988/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,473
−HK$8,182/mo
▼ 0.25% · 3.875%
HK$134,532
−HK$4,123/mo
Today · 4.125%
HK$138,655
baseline
▲ 0.50% · 4.625%
HK$147,092
+HK$8,437/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,310/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,150
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$149,043
−HK$3,949/mo
Today · 4.125%
HK$152,992
baseline
▲ 0.50% · 4.625%
HK$161,057
+HK$8,065/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$305,984/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,997 · Scale 2, in force from 26 Feb 2026)