LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,610
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,869
−HK$2,294/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$1,353,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,778
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,944
−HK$2,198/mo
Today · 4.125%
HK$85,142
baseline
▲ 0.50% · 4.625%
HK$89,630
+HK$4,488/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,284/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,132
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,842
−HK$2,754/mo
Today · 4.125%
HK$92,596
baseline
▲ 0.50% · 4.625%
HK$98,230
+HK$5,634/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,192/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,933
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,533
−HK$2,637/mo
Today · 4.125%
HK$102,170
baseline
▲ 0.50% · 4.625%
HK$107,556
+HK$5,386/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$1,353,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,654
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,816
−HK$3,213/mo
Today · 4.125%
HK$108,029
baseline
▲ 0.50% · 4.625%
HK$114,602
+HK$6,573/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,058/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,089
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,122
−HK$3,077/mo
Today · 4.125%
HK$119,199
baseline
▲ 0.50% · 4.625%
HK$125,482
+HK$6,283/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,398/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,698
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$134,763
−HK$4,131/mo
Today · 4.125%
HK$138,894
baseline
▲ 0.50% · 4.625%
HK$147,345
+HK$8,451/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,788/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,400
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$149,300
−HK$3,956/mo
Today · 4.125%
HK$153,256
baseline
▲ 0.50% · 4.625%
HK$161,334
+HK$8,078/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,512/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,323 · Scale 2, in force from 26 Feb 2026)