LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,551
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,808
−HK$2,292/mo
Today · 4.125%
HK$77,100
baseline
▲ 0.50% · 4.625%
HK$81,792
+HK$4,692/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,200/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,712
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,877
−HK$2,196/mo
Today · 4.125%
HK$85,073
baseline
▲ 0.50% · 4.625%
HK$89,557
+HK$4,484/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,146/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,061
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,769
−HK$2,751/mo
Today · 4.125%
HK$92,520
baseline
▲ 0.50% · 4.625%
HK$98,150
+HK$5,630/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,040/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,854
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,452
−HK$2,635/mo
Today · 4.125%
HK$102,087
baseline
▲ 0.50% · 4.625%
HK$107,468
+HK$5,381/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,174/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,571
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,731
−HK$3,210/mo
Today · 4.125%
HK$107,941
baseline
▲ 0.50% · 4.625%
HK$114,508
+HK$6,567/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$215,882/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,997
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,027
−HK$3,075/mo
Today · 4.125%
HK$119,102
baseline
▲ 0.50% · 4.625%
HK$125,380
+HK$6,278/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$238,204/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,591
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$134,654
−HK$4,127/mo
Today · 4.125%
HK$138,781
baseline
▲ 0.50% · 4.625%
HK$147,225
+HK$8,444/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,562/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,282
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,178
−HK$3,953/mo
Today · 4.125%
HK$153,131
baseline
▲ 0.50% · 4.625%
HK$161,203
+HK$8,072/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,262/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,221 · Scale 2, in force from 26 Feb 2026)