LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,504
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,760
−HK$2,291/mo
Today · 4.125%
HK$77,051
baseline
▲ 0.50% · 4.625%
HK$81,739
+HK$4,688/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,102/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,660
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,823
−HK$2,195/mo
Today · 4.125%
HK$85,018
baseline
▲ 0.50% · 4.625%
HK$89,499
+HK$4,481/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,036/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,005
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,711
−HK$2,750/mo
Today · 4.125%
HK$92,461
baseline
▲ 0.50% · 4.625%
HK$98,087
+HK$5,626/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,922/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,792
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,388
−HK$2,634/mo
Today · 4.125%
HK$102,022
baseline
▲ 0.50% · 4.625%
HK$107,399
+HK$5,377/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,044/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,506
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,663
−HK$3,208/mo
Today · 4.125%
HK$107,871
baseline
▲ 0.50% · 4.625%
HK$114,435
+HK$6,564/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,742/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,924
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,953
−HK$3,072/mo
Today · 4.125%
HK$119,025
baseline
▲ 0.50% · 4.625%
HK$125,299
+HK$6,274/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,050/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,508
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,567
−HK$4,125/mo
Today · 4.125%
HK$138,692
baseline
▲ 0.50% · 4.625%
HK$147,131
+HK$8,439/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,384/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,188
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,082
−HK$3,950/mo
Today · 4.125%
HK$153,032
baseline
▲ 0.50% · 4.625%
HK$161,099
+HK$8,067/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,064/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,353 · Scale 2, in force from 26 Feb 2026)