LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,500
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,755
−HK$2,292/mo
Today · 4.125%
HK$77,047
baseline
▲ 0.50% · 4.625%
HK$81,735
+HK$4,688/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,094/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,656
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,819
−HK$2,194/mo
Today · 4.125%
HK$85,013
baseline
▲ 0.50% · 4.625%
HK$89,494
+HK$4,481/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,026/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,000
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,706
−HK$2,750/mo
Today · 4.125%
HK$92,456
baseline
▲ 0.50% · 4.625%
HK$98,082
+HK$5,626/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,912/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,787
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,383
−HK$2,633/mo
Today · 4.125%
HK$102,016
baseline
▲ 0.50% · 4.625%
HK$107,393
+HK$5,377/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,032/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,500
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,657
−HK$3,208/mo
Today · 4.125%
HK$107,865
baseline
▲ 0.50% · 4.625%
HK$114,428
+HK$6,563/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,730/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,918
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,946
−HK$3,073/mo
Today · 4.125%
HK$119,019
baseline
▲ 0.50% · 4.625%
HK$125,292
+HK$6,273/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,038/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,500
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,560
−HK$4,124/mo
Today · 4.125%
HK$138,684
baseline
▲ 0.50% · 4.625%
HK$147,122
+HK$8,438/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,368/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,180
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,074
−HK$3,950/mo
Today · 4.125%
HK$153,024
baseline
▲ 0.50% · 4.625%
HK$161,090
+HK$8,066/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,048/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,276 · Scale 2, in force from 26 Feb 2026)