LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,627
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,886
−HK$2,295/mo
Today · 4.125%
HK$77,181
baseline
▲ 0.50% · 4.625%
HK$81,878
+HK$4,697/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,362/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,797
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,964
−HK$2,198/mo
Today · 4.125%
HK$85,162
baseline
▲ 0.50% · 4.625%
HK$89,651
+HK$4,489/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,324/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,153
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,863
−HK$2,755/mo
Today · 4.125%
HK$92,618
baseline
▲ 0.50% · 4.625%
HK$98,253
+HK$5,635/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,236/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,956
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,557
−HK$2,638/mo
Today · 4.125%
HK$102,195
baseline
▲ 0.50% · 4.625%
HK$107,581
+HK$5,386/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,390/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,678
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,841
−HK$3,213/mo
Today · 4.125%
HK$108,054
baseline
▲ 0.50% · 4.625%
HK$114,629
+HK$6,575/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,108/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,116
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,149
−HK$3,078/mo
Today · 4.125%
HK$119,227
baseline
▲ 0.50% · 4.625%
HK$125,512
+HK$6,285/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,454/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,729
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$134,795
−HK$4,132/mo
Today · 4.125%
HK$138,927
baseline
▲ 0.50% · 4.625%
HK$147,380
+HK$8,453/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,854/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,434
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,335
−HK$3,957/mo
Today · 4.125%
HK$153,292
baseline
▲ 0.50% · 4.625%
HK$161,372
+HK$8,080/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,584/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,643 · Scale 2, in force from 26 Feb 2026)