LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,528
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,784
−HK$2,292/mo
Today · 4.125%
HK$77,076
baseline
▲ 0.50% · 4.625%
HK$81,766
+HK$4,690/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,152/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,687
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,851
−HK$2,195/mo
Today · 4.125%
HK$85,046
baseline
▲ 0.50% · 4.625%
HK$89,529
+HK$4,483/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,092/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,033
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,741
−HK$2,750/mo
Today · 4.125%
HK$92,491
baseline
▲ 0.50% · 4.625%
HK$98,119
+HK$5,628/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,982/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,824
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,421
−HK$2,634/mo
Today · 4.125%
HK$102,055
baseline
▲ 0.50% · 4.625%
HK$107,434
+HK$5,379/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,110/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,539
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,698
−HK$3,208/mo
Today · 4.125%
HK$107,906
baseline
▲ 0.50% · 4.625%
HK$114,472
+HK$6,566/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,812/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,961
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,991
−HK$3,073/mo
Today · 4.125%
HK$119,064
baseline
▲ 0.50% · 4.625%
HK$125,340
+HK$6,276/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,128/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,550
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$134,611
−HK$4,126/mo
Today · 4.125%
HK$138,737
baseline
▲ 0.50% · 4.625%
HK$147,179
+HK$8,442/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,474/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,236
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$149,131
−HK$3,951/mo
Today · 4.125%
HK$153,082
baseline
▲ 0.50% · 4.625%
HK$161,152
+HK$8,070/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,164/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,794 · Scale 2, in force from 26 Feb 2026)