LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,699
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,960
−HK$2,298/mo
Today · 4.125%
HK$77,258
baseline
▲ 0.50% · 4.625%
HK$81,959
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,516/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,877
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,046
−HK$2,201/mo
Today · 4.125%
HK$85,247
baseline
▲ 0.50% · 4.625%
HK$89,740
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,494/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,239
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,953
−HK$2,757/mo
Today · 4.125%
HK$92,710
baseline
▲ 0.50% · 4.625%
HK$98,351
+HK$5,641/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,420/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,052
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,655
−HK$2,641/mo
Today · 4.125%
HK$102,296
baseline
▲ 0.50% · 4.625%
HK$107,688
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,592/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,779
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,945
−HK$3,216/mo
Today · 4.125%
HK$108,161
baseline
▲ 0.50% · 4.625%
HK$114,743
+HK$6,582/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$216,322/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,228
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,265
−HK$3,080/mo
Today · 4.125%
HK$119,345
baseline
▲ 0.50% · 4.625%
HK$125,636
+HK$6,291/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$238,690/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,858
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$134,929
−HK$4,135/mo
Today · 4.125%
HK$139,064
baseline
▲ 0.50% · 4.625%
HK$147,526
+HK$8,462/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,128/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,579
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,483
−HK$3,961/mo
Today · 4.125%
HK$153,444
baseline
▲ 0.50% · 4.625%
HK$161,532
+HK$8,088/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,888/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,985 · Scale 2, in force from 26 Feb 2026)