LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,540
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,797
−HK$2,292/mo
Today · 4.125%
HK$77,089
baseline
▲ 0.50% · 4.625%
HK$81,780
+HK$4,691/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,178/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,700
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,865
−HK$2,195/mo
Today · 4.125%
HK$85,060
baseline
▲ 0.50% · 4.625%
HK$89,544
+HK$4,484/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,120/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,048
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,756
−HK$2,751/mo
Today · 4.125%
HK$92,507
baseline
▲ 0.50% · 4.625%
HK$98,136
+HK$5,629/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$185,014/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,840
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,438
−HK$2,634/mo
Today · 4.125%
HK$102,072
baseline
▲ 0.50% · 4.625%
HK$107,453
+HK$5,381/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$204,144/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,556
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,715
−HK$3,210/mo
Today · 4.125%
HK$107,925
baseline
▲ 0.50% · 4.625%
HK$114,492
+HK$6,567/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$215,850/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,980
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,011
−HK$3,073/mo
Today · 4.125%
HK$119,084
baseline
▲ 0.50% · 4.625%
HK$125,362
+HK$6,278/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$238,168/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,572
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$134,634
−HK$4,127/mo
Today · 4.125%
HK$138,761
baseline
▲ 0.50% · 4.625%
HK$147,204
+HK$8,443/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,522/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,261
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$149,156
−HK$3,953/mo
Today · 4.125%
HK$153,109
baseline
▲ 0.50% · 4.625%
HK$161,179
+HK$8,070/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,218/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,024 · Scale 2, in force from 26 Feb 2026)