LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,725
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,987
−HK$2,299/mo
Today · 4.125%
HK$77,286
baseline
▲ 0.50% · 4.625%
HK$81,988
+HK$4,702/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,572/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,906
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,076
−HK$2,201/mo
Today · 4.125%
HK$85,277
baseline
▲ 0.50% · 4.625%
HK$89,772
+HK$4,495/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,554/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,270
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,985
−HK$2,758/mo
Today · 4.125%
HK$92,743
baseline
▲ 0.50% · 4.625%
HK$98,386
+HK$5,643/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,486/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,087
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,691
−HK$2,642/mo
Today · 4.125%
HK$102,333
baseline
▲ 0.50% · 4.625%
HK$107,727
+HK$5,394/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,666/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,815
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,982
−HK$3,218/mo
Today · 4.125%
HK$108,200
baseline
▲ 0.50% · 4.625%
HK$114,784
+HK$6,584/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,400/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,268
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,306
−HK$3,082/mo
Today · 4.125%
HK$119,388
baseline
▲ 0.50% · 4.625%
HK$125,681
+HK$6,293/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,776/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,905
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$134,977
−HK$4,137/mo
Today · 4.125%
HK$139,114
baseline
▲ 0.50% · 4.625%
HK$147,579
+HK$8,465/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,228/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,631
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$149,537
−HK$3,962/mo
Today · 4.125%
HK$153,499
baseline
▲ 0.50% · 4.625%
HK$161,590
+HK$8,091/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,998/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,471 · Scale 2, in force from 26 Feb 2026)