LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,508
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,763
−HK$2,292/mo
Today · 4.125%
HK$77,055
baseline
▲ 0.50% · 4.625%
HK$81,743
+HK$4,688/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,110/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,664
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,828
−HK$2,194/mo
Today · 4.125%
HK$85,022
baseline
▲ 0.50% · 4.625%
HK$89,504
+HK$4,482/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,044/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,010
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,716
−HK$2,750/mo
Today · 4.125%
HK$92,466
baseline
▲ 0.50% · 4.625%
HK$98,092
+HK$5,626/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,932/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,797
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,393
−HK$2,634/mo
Today · 4.125%
HK$102,027
baseline
▲ 0.50% · 4.625%
HK$107,405
+HK$5,378/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,054/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,511
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,669
−HK$3,208/mo
Today · 4.125%
HK$107,877
baseline
▲ 0.50% · 4.625%
HK$114,441
+HK$6,564/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,754/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,930
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,959
−HK$3,072/mo
Today · 4.125%
HK$119,031
baseline
▲ 0.50% · 4.625%
HK$125,306
+HK$6,275/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,062/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,514
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$134,574
−HK$4,125/mo
Today · 4.125%
HK$138,699
baseline
▲ 0.50% · 4.625%
HK$147,138
+HK$8,439/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,398/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,196
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,090
−HK$3,950/mo
Today · 4.125%
HK$153,040
baseline
▲ 0.50% · 4.625%
HK$161,107
+HK$8,067/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,080/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,423 · Scale 2, in force from 26 Feb 2026)