LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,711
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,972
−HK$2,298/mo
Today · 4.125%
HK$77,270
baseline
▲ 0.50% · 4.625%
HK$81,972
+HK$4,702/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,540/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,890
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,059
−HK$2,201/mo
Today · 4.125%
HK$85,260
baseline
▲ 0.50% · 4.625%
HK$89,754
+HK$4,494/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,520/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,253
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,967
−HK$2,757/mo
Today · 4.125%
HK$92,724
baseline
▲ 0.50% · 4.625%
HK$98,366
+HK$5,642/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,448/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,068
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,671
−HK$2,641/mo
Today · 4.125%
HK$102,312
baseline
▲ 0.50% · 4.625%
HK$107,705
+HK$5,393/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,624/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,795
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,961
−HK$3,217/mo
Today · 4.125%
HK$108,178
baseline
▲ 0.50% · 4.625%
HK$114,761
+HK$6,583/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$216,356/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,246
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,283
−HK$3,081/mo
Today · 4.125%
HK$119,364
baseline
▲ 0.50% · 4.625%
HK$125,656
+HK$6,292/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$238,728/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,879
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$134,950
−HK$4,137/mo
Today · 4.125%
HK$139,087
baseline
▲ 0.50% · 4.625%
HK$147,550
+HK$8,463/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,174/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,602
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$149,507
−HK$3,961/mo
Today · 4.125%
HK$153,468
baseline
▲ 0.50% · 4.625%
HK$161,558
+HK$8,090/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,936/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,201 · Scale 2, in force from 26 Feb 2026)