LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,502
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,757
−HK$2,292/mo
Today · 4.125%
HK$77,049
baseline
▲ 0.50% · 4.625%
HK$81,737
+HK$4,688/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,098/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,658
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,821
−HK$2,194/mo
Today · 4.125%
HK$85,015
baseline
▲ 0.50% · 4.625%
HK$89,497
+HK$4,482/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,030/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,002
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,709
−HK$2,749/mo
Today · 4.125%
HK$92,458
baseline
▲ 0.50% · 4.625%
HK$98,084
+HK$5,626/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,916/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,789
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,385
−HK$2,634/mo
Today · 4.125%
HK$102,019
baseline
▲ 0.50% · 4.625%
HK$107,396
+HK$5,377/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,038/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,503
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,660
−HK$3,208/mo
Today · 4.125%
HK$107,868
baseline
▲ 0.50% · 4.625%
HK$114,431
+HK$6,563/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,736/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,921
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,949
−HK$3,073/mo
Today · 4.125%
HK$119,022
baseline
▲ 0.50% · 4.625%
HK$125,295
+HK$6,273/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,044/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,504
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$134,563
−HK$4,124/mo
Today · 4.125%
HK$138,687
baseline
▲ 0.50% · 4.625%
HK$147,126
+HK$8,439/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,374/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,184
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,078
−HK$3,950/mo
Today · 4.125%
HK$153,028
baseline
▲ 0.50% · 4.625%
HK$161,094
+HK$8,066/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,056/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,312 · Scale 2, in force from 26 Feb 2026)