LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,617
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,876
−HK$2,295/mo
Today · 4.125%
HK$77,171
baseline
▲ 0.50% · 4.625%
HK$81,866
+HK$4,695/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,342/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,786
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,952
−HK$2,198/mo
Today · 4.125%
HK$85,150
baseline
▲ 0.50% · 4.625%
HK$89,639
+HK$4,489/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,300/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,141
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,851
−HK$2,754/mo
Today · 4.125%
HK$92,605
baseline
▲ 0.50% · 4.625%
HK$98,240
+HK$5,635/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,210/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,943
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,543
−HK$2,637/mo
Today · 4.125%
HK$102,180
baseline
▲ 0.50% · 4.625%
HK$107,567
+HK$5,387/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,360/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,664
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,826
−HK$3,213/mo
Today · 4.125%
HK$108,039
baseline
▲ 0.50% · 4.625%
HK$114,613
+HK$6,574/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,078/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,100
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,133
−HK$3,078/mo
Today · 4.125%
HK$119,211
baseline
▲ 0.50% · 4.625%
HK$125,494
+HK$6,283/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,422/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,711
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$134,777
−HK$4,130/mo
Today · 4.125%
HK$138,907
baseline
▲ 0.50% · 4.625%
HK$147,360
+HK$8,453/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,814/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,414
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,314
−HK$3,957/mo
Today · 4.125%
HK$153,271
baseline
▲ 0.50% · 4.625%
HK$161,350
+HK$8,079/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,542/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,456 · Scale 2, in force from 26 Feb 2026)