LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,622
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,881
−HK$2,295/mo
Today · 4.125%
HK$77,176
baseline
▲ 0.50% · 4.625%
HK$81,872
+HK$4,696/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,352/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,791
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,958
−HK$2,198/mo
Today · 4.125%
HK$85,156
baseline
▲ 0.50% · 4.625%
HK$89,644
+HK$4,488/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,312/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,146
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,857
−HK$2,754/mo
Today · 4.125%
HK$92,611
baseline
▲ 0.50% · 4.625%
HK$98,246
+HK$5,635/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,222/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,949
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,549
−HK$2,638/mo
Today · 4.125%
HK$102,187
baseline
▲ 0.50% · 4.625%
HK$107,573
+HK$5,386/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,374/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,670
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,833
−HK$3,213/mo
Today · 4.125%
HK$108,046
baseline
▲ 0.50% · 4.625%
HK$114,620
+HK$6,574/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,092/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,107
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,141
−HK$3,077/mo
Today · 4.125%
HK$119,218
baseline
▲ 0.50% · 4.625%
HK$125,502
+HK$6,284/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,436/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,719
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,785
−HK$4,131/mo
Today · 4.125%
HK$138,916
baseline
▲ 0.50% · 4.625%
HK$147,369
+HK$8,453/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,832/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,423
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,324
−HK$3,956/mo
Today · 4.125%
HK$153,280
baseline
▲ 0.50% · 4.625%
HK$161,360
+HK$8,080/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,560/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,541 · Scale 2, in force from 26 Feb 2026)