LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,632
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,891
−HK$2,296/mo
Today · 4.125%
HK$77,187
baseline
▲ 0.50% · 4.625%
HK$81,883
+HK$4,696/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,374/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,802
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,970
−HK$2,198/mo
Today · 4.125%
HK$85,168
baseline
▲ 0.50% · 4.625%
HK$89,657
+HK$4,489/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,336/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,158
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,870
−HK$2,754/mo
Today · 4.125%
HK$92,624
baseline
▲ 0.50% · 4.625%
HK$98,260
+HK$5,636/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,248/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,963
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,563
−HK$2,639/mo
Today · 4.125%
HK$102,202
baseline
▲ 0.50% · 4.625%
HK$107,589
+HK$5,387/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,404/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,685
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,848
−HK$3,213/mo
Today · 4.125%
HK$108,061
baseline
▲ 0.50% · 4.625%
HK$114,637
+HK$6,576/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,122/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,123
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,157
−HK$3,078/mo
Today · 4.125%
HK$119,235
baseline
▲ 0.50% · 4.625%
HK$125,520
+HK$6,285/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,470/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,738
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$134,804
−HK$4,132/mo
Today · 4.125%
HK$138,936
baseline
▲ 0.50% · 4.625%
HK$147,390
+HK$8,454/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,872/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,444
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,345
−HK$3,957/mo
Today · 4.125%
HK$153,302
baseline
▲ 0.50% · 4.625%
HK$161,383
+HK$8,081/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,604/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,735 · Scale 2, in force from 26 Feb 2026)