LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,489
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,744
−HK$2,291/mo
Today · 4.125%
HK$77,035
baseline
▲ 0.50% · 4.625%
HK$81,722
+HK$4,687/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,070/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,643
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,806
−HK$2,194/mo
Today · 4.125%
HK$85,000
baseline
▲ 0.50% · 4.625%
HK$89,481
+HK$4,481/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$170,000/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,987
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,693
−HK$2,749/mo
Today · 4.125%
HK$92,442
baseline
▲ 0.50% · 4.625%
HK$98,067
+HK$5,625/mo
Deposit HK$12.72M · loan HK$19.07M · min. income ≈ HK$184,884/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,772
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,368
−HK$2,632/mo
Today · 4.125%
HK$102,000
baseline
▲ 0.50% · 4.625%
HK$107,377
+HK$5,377/mo
Deposit HK$12.72M · loan HK$19.07M · min. income ≈ HK$204,000/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,485
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,642
−HK$3,207/mo
Today · 4.125%
HK$107,849
baseline
▲ 0.50% · 4.625%
HK$114,411
+HK$6,562/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,698/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,901
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,929
−HK$3,071/mo
Today · 4.125%
HK$119,000
baseline
▲ 0.50% · 4.625%
HK$125,273
+HK$6,273/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$238,000/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,480
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$134,539
−HK$4,124/mo
Today · 4.125%
HK$138,663
baseline
▲ 0.50% · 4.625%
HK$147,100
+HK$8,437/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,326/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,158
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$149,051
−HK$3,950/mo
Today · 4.125%
HK$153,001
baseline
▲ 0.50% · 4.625%
HK$161,066
+HK$8,065/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$306,002/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,071 · Scale 2, in force from 26 Feb 2026)