LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,742
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$75,004
−HK$2,299/mo
Today · 4.125%
HK$77,303
baseline
▲ 0.50% · 4.625%
HK$82,007
+HK$4,704/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,606/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,924
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,095
−HK$2,201/mo
Today · 4.125%
HK$85,296
baseline
▲ 0.50% · 4.625%
HK$89,793
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,592/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,290
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,005
−HK$2,759/mo
Today · 4.125%
HK$92,764
baseline
▲ 0.50% · 4.625%
HK$98,408
+HK$5,644/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,528/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,109
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,714
−HK$2,642/mo
Today · 4.125%
HK$102,356
baseline
▲ 0.50% · 4.625%
HK$107,751
+HK$5,395/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,712/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,838
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,006
−HK$3,218/mo
Today · 4.125%
HK$108,224
baseline
▲ 0.50% · 4.625%
HK$114,810
+HK$6,586/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,448/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,294
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,333
−HK$3,082/mo
Today · 4.125%
HK$119,415
baseline
▲ 0.50% · 4.625%
HK$125,710
+HK$6,295/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,830/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,935
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$135,008
−HK$4,138/mo
Today · 4.125%
HK$139,146
baseline
▲ 0.50% · 4.625%
HK$147,612
+HK$8,466/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,292/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,664
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$149,570
−HK$3,964/mo
Today · 4.125%
HK$153,534
baseline
▲ 0.50% · 4.625%
HK$161,627
+HK$8,093/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,068/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,778 · Scale 2, in force from 26 Feb 2026)