LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,642
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,901
−HK$2,296/mo
Today · 4.125%
HK$77,197
baseline
▲ 0.50% · 4.625%
HK$81,894
+HK$4,697/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,394/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,813
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,980
−HK$2,199/mo
Today · 4.125%
HK$85,179
baseline
▲ 0.50% · 4.625%
HK$89,669
+HK$4,490/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,358/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,170
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,881
−HK$2,755/mo
Today · 4.125%
HK$92,636
baseline
▲ 0.50% · 4.625%
HK$98,273
+HK$5,637/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,272/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,976
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,576
−HK$2,639/mo
Today · 4.125%
HK$102,215
baseline
▲ 0.50% · 4.625%
HK$107,603
+HK$5,388/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,430/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,698
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,862
−HK$3,214/mo
Today · 4.125%
HK$108,076
baseline
▲ 0.50% · 4.625%
HK$114,652
+HK$6,576/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,152/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,138
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,173
−HK$3,078/mo
Today · 4.125%
HK$119,251
baseline
▲ 0.50% · 4.625%
HK$125,537
+HK$6,286/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,502/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,755
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,822
−HK$4,132/mo
Today · 4.125%
HK$138,954
baseline
▲ 0.50% · 4.625%
HK$147,409
+HK$8,455/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,908/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,463
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$149,365
−HK$3,957/mo
Today · 4.125%
HK$153,322
baseline
▲ 0.50% · 4.625%
HK$161,404
+HK$8,082/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,644/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,912 · Scale 2, in force from 26 Feb 2026)