LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,504
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,759
−HK$2,291/mo
Today · 4.125%
HK$77,050
baseline
▲ 0.50% · 4.625%
HK$81,739
+HK$4,689/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,100/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,660
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,823
−HK$2,194/mo
Today · 4.125%
HK$85,017
baseline
▲ 0.50% · 4.625%
HK$89,499
+HK$4,482/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,034/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,004
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,711
−HK$2,749/mo
Today · 4.125%
HK$92,460
baseline
▲ 0.50% · 4.625%
HK$98,086
+HK$5,626/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,920/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,792
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,387
−HK$2,634/mo
Today · 4.125%
HK$102,021
baseline
▲ 0.50% · 4.625%
HK$107,399
+HK$5,378/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,042/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,505
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,663
−HK$3,207/mo
Today · 4.125%
HK$107,870
baseline
▲ 0.50% · 4.625%
HK$114,434
+HK$6,564/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,740/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,923
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,952
−HK$3,072/mo
Today · 4.125%
HK$119,024
baseline
▲ 0.50% · 4.625%
HK$125,298
+HK$6,274/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,048/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,507
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$134,566
−HK$4,124/mo
Today · 4.125%
HK$138,690
baseline
▲ 0.50% · 4.625%
HK$147,129
+HK$8,439/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,380/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,187
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,081
−HK$3,950/mo
Today · 4.125%
HK$153,031
baseline
▲ 0.50% · 4.625%
HK$161,098
+HK$8,067/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,062/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,342 · Scale 2, in force from 26 Feb 2026)