LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,653
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,912
−HK$2,296/mo
Today · 4.125%
HK$77,208
baseline
▲ 0.50% · 4.625%
HK$81,906
+HK$4,698/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,416/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,825
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,993
−HK$2,199/mo
Today · 4.125%
HK$85,192
baseline
▲ 0.50% · 4.625%
HK$89,682
+HK$4,490/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,384/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,183
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,895
−HK$2,755/mo
Today · 4.125%
HK$92,650
baseline
▲ 0.50% · 4.625%
HK$98,288
+HK$5,638/mo
Deposit HK$12.74M · loan HK$19.12M · min. income ≈ HK$185,300/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,990
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,591
−HK$2,639/mo
Today · 4.125%
HK$102,230
baseline
▲ 0.50% · 4.625%
HK$107,619
+HK$5,389/mo
Deposit HK$12.74M · loan HK$19.12M · min. income ≈ HK$204,460/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,714
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,877
−HK$3,215/mo
Today · 4.125%
HK$108,092
baseline
▲ 0.50% · 4.625%
HK$114,669
+HK$6,577/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,184/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,155
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,190
−HK$3,079/mo
Today · 4.125%
HK$119,269
baseline
▲ 0.50% · 4.625%
HK$125,555
+HK$6,286/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,538/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,775
−HK$8,200/mo
▼ 0.25% · 3.875%
HK$134,842
−HK$4,133/mo
Today · 4.125%
HK$138,975
baseline
▲ 0.50% · 4.625%
HK$147,432
+HK$8,457/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$277,950/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,485
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,387
−HK$3,958/mo
Today · 4.125%
HK$153,345
baseline
▲ 0.50% · 4.625%
HK$161,428
+HK$8,083/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$306,690/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,116 · Scale 2, in force from 26 Feb 2026)