LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,653
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,913
−HK$2,296/mo
Today · 4.125%
HK$77,209
baseline
▲ 0.50% · 4.625%
HK$81,907
+HK$4,698/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,418/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,826
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,994
−HK$2,199/mo
Today · 4.125%
HK$85,193
baseline
▲ 0.50% · 4.625%
HK$89,684
+HK$4,491/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,386/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,184
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,896
−HK$2,755/mo
Today · 4.125%
HK$92,651
baseline
▲ 0.50% · 4.625%
HK$98,289
+HK$5,638/mo
Deposit HK$12.74M · loan HK$19.12M · min. income ≈ HK$185,302/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,991
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,593
−HK$2,639/mo
Today · 4.125%
HK$102,232
baseline
▲ 0.50% · 4.625%
HK$107,620
+HK$5,388/mo
Deposit HK$12.74M · loan HK$19.12M · min. income ≈ HK$204,464/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,715
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,879
−HK$3,214/mo
Today · 4.125%
HK$108,093
baseline
▲ 0.50% · 4.625%
HK$114,670
+HK$6,577/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,186/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,157
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,192
−HK$3,078/mo
Today · 4.125%
HK$119,270
baseline
▲ 0.50% · 4.625%
HK$125,557
+HK$6,287/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,540/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,776
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$134,844
−HK$4,133/mo
Today · 4.125%
HK$138,977
baseline
▲ 0.50% · 4.625%
HK$147,433
+HK$8,456/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$277,954/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,487
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,389
−HK$3,958/mo
Today · 4.125%
HK$153,347
baseline
▲ 0.50% · 4.625%
HK$161,431
+HK$8,084/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$306,694/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,134 · Scale 2, in force from 26 Feb 2026)