LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,723
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,985
−HK$2,298/mo
Today · 4.125%
HK$77,283
baseline
▲ 0.50% · 4.625%
HK$81,986
+HK$4,703/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,566/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,903
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,073
−HK$2,201/mo
Today · 4.125%
HK$85,274
baseline
▲ 0.50% · 4.625%
HK$89,769
+HK$4,495/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,548/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,267
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,982
−HK$2,758/mo
Today · 4.125%
HK$92,740
baseline
▲ 0.50% · 4.625%
HK$98,383
+HK$5,643/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,480/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,084
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,688
−HK$2,641/mo
Today · 4.125%
HK$102,329
baseline
▲ 0.50% · 4.625%
HK$107,723
+HK$5,394/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,658/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,812
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,979
−HK$3,217/mo
Today · 4.125%
HK$108,196
baseline
▲ 0.50% · 4.625%
HK$114,780
+HK$6,584/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$216,392/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,265
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,302
−HK$3,082/mo
Today · 4.125%
HK$119,384
baseline
▲ 0.50% · 4.625%
HK$125,677
+HK$6,293/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$238,768/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,901
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$134,973
−HK$4,136/mo
Today · 4.125%
HK$139,109
baseline
▲ 0.50% · 4.625%
HK$147,574
+HK$8,465/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,218/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,626
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$149,531
−HK$3,963/mo
Today · 4.125%
HK$153,494
baseline
▲ 0.50% · 4.625%
HK$161,584
+HK$8,090/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,988/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,424 · Scale 2, in force from 26 Feb 2026)