LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,746
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,009
−HK$2,299/mo
Today · 4.125%
HK$77,308
baseline
▲ 0.50% · 4.625%
HK$82,012
+HK$4,704/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,616/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,929
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,099
−HK$2,202/mo
Today · 4.125%
HK$85,301
baseline
▲ 0.50% · 4.625%
HK$89,798
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,602/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,295
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,010
−HK$2,759/mo
Today · 4.125%
HK$92,769
baseline
▲ 0.50% · 4.625%
HK$98,414
+HK$5,645/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,538/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,115
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,719
−HK$2,643/mo
Today · 4.125%
HK$102,362
baseline
▲ 0.50% · 4.625%
HK$107,757
+HK$5,395/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,724/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,844
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,012
−HK$3,219/mo
Today · 4.125%
HK$108,231
baseline
▲ 0.50% · 4.625%
HK$114,816
+HK$6,585/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,462/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,301
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,339
−HK$3,083/mo
Today · 4.125%
HK$119,422
baseline
▲ 0.50% · 4.625%
HK$125,717
+HK$6,295/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,844/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,942
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$135,015
−HK$4,139/mo
Today · 4.125%
HK$139,154
baseline
▲ 0.50% · 4.625%
HK$147,621
+HK$8,467/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,308/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,672
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$149,579
−HK$3,963/mo
Today · 4.125%
HK$153,542
baseline
▲ 0.50% · 4.625%
HK$161,636
+HK$8,094/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,084/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,855 · Scale 2, in force from 26 Feb 2026)