LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,728
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,990
−HK$2,299/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,991
+HK$4,702/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,909
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,079
−HK$2,201/mo
Today · 4.125%
HK$85,280
baseline
▲ 0.50% · 4.625%
HK$89,776
+HK$4,496/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,560/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,273
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,988
−HK$2,758/mo
Today · 4.125%
HK$92,746
baseline
▲ 0.50% · 4.625%
HK$98,390
+HK$5,644/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,492/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,091
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,695
−HK$2,641/mo
Today · 4.125%
HK$102,336
baseline
▲ 0.50% · 4.625%
HK$107,731
+HK$5,395/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,672/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,819
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,986
−HK$3,218/mo
Today · 4.125%
HK$108,204
baseline
▲ 0.50% · 4.625%
HK$114,788
+HK$6,584/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,408/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,273
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,311
−HK$3,081/mo
Today · 4.125%
HK$119,392
baseline
▲ 0.50% · 4.625%
HK$125,686
+HK$6,294/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,784/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,910
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$134,982
−HK$4,137/mo
Today · 4.125%
HK$139,119
baseline
▲ 0.50% · 4.625%
HK$147,585
+HK$8,466/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,238/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,636
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,542
−HK$3,963/mo
Today · 4.125%
HK$153,505
baseline
▲ 0.50% · 4.625%
HK$161,596
+HK$8,091/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,010/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,521 · Scale 2, in force from 26 Feb 2026)