LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,536
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,793
−HK$2,292/mo
Today · 4.125%
HK$77,085
baseline
▲ 0.50% · 4.625%
HK$81,775
+HK$4,690/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,170/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,696
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,860
−HK$2,196/mo
Today · 4.125%
HK$85,056
baseline
▲ 0.50% · 4.625%
HK$89,539
+HK$4,483/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,112/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,043
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,751
−HK$2,751/mo
Today · 4.125%
HK$92,502
baseline
▲ 0.50% · 4.625%
HK$98,130
+HK$5,628/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$185,004/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,835
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,432
−HK$2,635/mo
Today · 4.125%
HK$102,067
baseline
▲ 0.50% · 4.625%
HK$107,447
+HK$5,380/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$204,134/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,551
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,710
−HK$3,209/mo
Today · 4.125%
HK$107,919
baseline
▲ 0.50% · 4.625%
HK$114,485
+HK$6,566/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$215,838/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,974
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,004
−HK$3,074/mo
Today · 4.125%
HK$119,078
baseline
▲ 0.50% · 4.625%
HK$125,355
+HK$6,277/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$238,156/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,565
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,627
−HK$4,126/mo
Today · 4.125%
HK$138,753
baseline
▲ 0.50% · 4.625%
HK$147,196
+HK$8,443/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,506/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,253
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$149,148
−HK$3,952/mo
Today · 4.125%
HK$153,100
baseline
▲ 0.50% · 4.625%
HK$161,170
+HK$8,070/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,200/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,949 · Scale 2, in force from 26 Feb 2026)