LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,739
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,002
−HK$2,299/mo
Today · 4.125%
HK$77,301
baseline
▲ 0.50% · 4.625%
HK$82,004
+HK$4,703/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,602/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,922
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,092
−HK$2,202/mo
Today · 4.125%
HK$85,294
baseline
▲ 0.50% · 4.625%
HK$89,789
+HK$4,495/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,588/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,287
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,002
−HK$2,759/mo
Today · 4.125%
HK$92,761
baseline
▲ 0.50% · 4.625%
HK$98,405
+HK$5,644/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,522/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,106
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,710
−HK$2,642/mo
Today · 4.125%
HK$102,352
baseline
▲ 0.50% · 4.625%
HK$107,747
+HK$5,395/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,704/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,835
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,002
−HK$3,219/mo
Today · 4.125%
HK$108,221
baseline
▲ 0.50% · 4.625%
HK$114,806
+HK$6,585/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,442/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,290
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,329
−HK$3,082/mo
Today · 4.125%
HK$119,411
baseline
▲ 0.50% · 4.625%
HK$125,705
+HK$6,294/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,822/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,931
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$135,003
−HK$4,138/mo
Today · 4.125%
HK$139,141
baseline
▲ 0.50% · 4.625%
HK$147,607
+HK$8,466/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,282/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,659
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,565
−HK$3,963/mo
Today · 4.125%
HK$153,528
baseline
▲ 0.50% · 4.625%
HK$161,621
+HK$8,093/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,056/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,732 · Scale 2, in force from 26 Feb 2026)