LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,609
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,868
−HK$2,295/mo
Today · 4.125%
HK$77,163
baseline
▲ 0.50% · 4.625%
HK$81,858
+HK$4,695/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,326/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,777
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,944
−HK$2,197/mo
Today · 4.125%
HK$85,141
baseline
▲ 0.50% · 4.625%
HK$89,629
+HK$4,488/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,282/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,131
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,842
−HK$2,753/mo
Today · 4.125%
HK$92,595
baseline
▲ 0.50% · 4.625%
HK$98,229
+HK$5,634/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,190/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,933
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,532
−HK$2,638/mo
Today · 4.125%
HK$102,170
baseline
▲ 0.50% · 4.625%
HK$107,555
+HK$5,385/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,340/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,653
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,815
−HK$3,213/mo
Today · 4.125%
HK$108,028
baseline
▲ 0.50% · 4.625%
HK$114,601
+HK$6,573/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,056/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,088
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,121
−HK$3,077/mo
Today · 4.125%
HK$119,198
baseline
▲ 0.50% · 4.625%
HK$125,481
+HK$6,283/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,396/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,697
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$134,762
−HK$4,131/mo
Today · 4.125%
HK$138,893
baseline
▲ 0.50% · 4.625%
HK$147,344
+HK$8,451/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,786/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,399
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$149,299
−HK$3,956/mo
Today · 4.125%
HK$153,255
baseline
▲ 0.50% · 4.625%
HK$161,333
+HK$8,078/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,510/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,313 · Scale 2, in force from 26 Feb 2026)