LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,690
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,951
−HK$2,297/mo
Today · 4.125%
HK$77,248
baseline
▲ 0.50% · 4.625%
HK$81,949
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,496/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,867
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,036
−HK$2,200/mo
Today · 4.125%
HK$85,236
baseline
▲ 0.50% · 4.625%
HK$89,729
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,472/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,228
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,941
−HK$2,757/mo
Today · 4.125%
HK$92,698
baseline
▲ 0.50% · 4.625%
HK$98,338
+HK$5,640/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,396/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,040
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,643
−HK$2,640/mo
Today · 4.125%
HK$102,283
baseline
▲ 0.50% · 4.625%
HK$107,675
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,566/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,766
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,932
−HK$3,216/mo
Today · 4.125%
HK$108,148
baseline
▲ 0.50% · 4.625%
HK$114,728
+HK$6,580/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,296/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,214
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,250
−HK$3,080/mo
Today · 4.125%
HK$119,330
baseline
▲ 0.50% · 4.625%
HK$125,620
+HK$6,290/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,660/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,842
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$134,912
−HK$4,135/mo
Today · 4.125%
HK$139,047
baseline
▲ 0.50% · 4.625%
HK$147,508
+HK$8,461/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,094/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,560
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,464
−HK$3,961/mo
Today · 4.125%
HK$153,425
baseline
▲ 0.50% · 4.625%
HK$161,512
+HK$8,087/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,850/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,816 · Scale 2, in force from 26 Feb 2026)