LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,688
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,949
−HK$2,297/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,946
+HK$4,700/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,864
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,033
−HK$2,200/mo
Today · 4.125%
HK$85,233
baseline
▲ 0.50% · 4.625%
HK$89,726
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,466/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,225
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,938
−HK$2,757/mo
Today · 4.125%
HK$92,695
baseline
▲ 0.50% · 4.625%
HK$98,335
+HK$5,640/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,390/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,037
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,639
−HK$2,641/mo
Today · 4.125%
HK$102,280
baseline
▲ 0.50% · 4.625%
HK$107,671
+HK$5,391/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,560/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,763
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,928
−HK$3,216/mo
Today · 4.125%
HK$108,144
baseline
▲ 0.50% · 4.625%
HK$114,724
+HK$6,580/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,288/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,210
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,246
−HK$3,080/mo
Today · 4.125%
HK$119,326
baseline
▲ 0.50% · 4.625%
HK$125,616
+HK$6,290/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,652/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,838
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$134,907
−HK$4,135/mo
Today · 4.125%
HK$139,042
baseline
▲ 0.50% · 4.625%
HK$147,503
+HK$8,461/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,084/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,555
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$149,459
−HK$3,960/mo
Today · 4.125%
HK$153,419
baseline
▲ 0.50% · 4.625%
HK$161,506
+HK$8,087/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,838/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,769 · Scale 2, in force from 26 Feb 2026)