LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,566
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,823
−HK$2,294/mo
Today · 4.125%
HK$77,117
baseline
▲ 0.50% · 4.625%
HK$81,809
+HK$4,692/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,234/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,729
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,894
−HK$2,196/mo
Today · 4.125%
HK$85,090
baseline
▲ 0.50% · 4.625%
HK$89,576
+HK$4,486/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,180/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,079
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,788
−HK$2,752/mo
Today · 4.125%
HK$92,540
baseline
▲ 0.50% · 4.625%
HK$98,171
+HK$5,631/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,080/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,875
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,473
−HK$2,636/mo
Today · 4.125%
HK$102,109
baseline
▲ 0.50% · 4.625%
HK$107,491
+HK$5,382/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,218/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,592
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,753
−HK$3,210/mo
Today · 4.125%
HK$107,963
baseline
▲ 0.50% · 4.625%
HK$114,532
+HK$6,569/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,926/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,021
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,052
−HK$3,075/mo
Today · 4.125%
HK$119,127
baseline
▲ 0.50% · 4.625%
HK$125,406
+HK$6,279/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,254/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,619
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$134,682
−HK$4,128/mo
Today · 4.125%
HK$138,810
baseline
▲ 0.50% · 4.625%
HK$147,256
+HK$8,446/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,620/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,312
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$149,209
−HK$3,954/mo
Today · 4.125%
HK$153,163
baseline
▲ 0.50% · 4.625%
HK$161,236
+HK$8,073/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,326/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,504 · Scale 2, in force from 26 Feb 2026)