LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,689
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,950
−HK$2,297/mo
Today · 4.125%
HK$77,247
baseline
▲ 0.50% · 4.625%
HK$81,948
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,494/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,866
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,035
−HK$2,200/mo
Today · 4.125%
HK$85,235
baseline
▲ 0.50% · 4.625%
HK$89,728
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,470/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,227
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,940
−HK$2,757/mo
Today · 4.125%
HK$92,697
baseline
▲ 0.50% · 4.625%
HK$98,337
+HK$5,640/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,394/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,039
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,642
−HK$2,640/mo
Today · 4.125%
HK$102,282
baseline
▲ 0.50% · 4.625%
HK$107,673
+HK$5,391/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,564/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,765
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,930
−HK$3,216/mo
Today · 4.125%
HK$108,146
baseline
▲ 0.50% · 4.625%
HK$114,727
+HK$6,581/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,292/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,212
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,248
−HK$3,081/mo
Today · 4.125%
HK$119,329
baseline
▲ 0.50% · 4.625%
HK$125,619
+HK$6,290/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,658/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,840
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$134,910
−HK$4,135/mo
Today · 4.125%
HK$139,045
baseline
▲ 0.50% · 4.625%
HK$147,506
+HK$8,461/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,090/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,558
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,462
−HK$3,961/mo
Today · 4.125%
HK$153,423
baseline
▲ 0.50% · 4.625%
HK$161,510
+HK$8,087/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,846/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,797 · Scale 2, in force from 26 Feb 2026)