LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,748
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,011
−HK$2,299/mo
Today · 4.125%
HK$77,310
baseline
▲ 0.50% · 4.625%
HK$82,014
+HK$4,704/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,620/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,932
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,102
−HK$2,202/mo
Today · 4.125%
HK$85,304
baseline
▲ 0.50% · 4.625%
HK$89,801
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,608/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,298
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,013
−HK$2,759/mo
Today · 4.125%
HK$92,772
baseline
▲ 0.50% · 4.625%
HK$98,417
+HK$5,645/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,544/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,118
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,723
−HK$2,642/mo
Today · 4.125%
HK$102,365
baseline
▲ 0.50% · 4.625%
HK$107,761
+HK$5,396/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,730/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,848
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,016
−HK$3,218/mo
Today · 4.125%
HK$108,234
baseline
▲ 0.50% · 4.625%
HK$114,820
+HK$6,586/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,468/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,304
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,343
−HK$3,083/mo
Today · 4.125%
HK$119,426
baseline
▲ 0.50% · 4.625%
HK$125,721
+HK$6,295/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,852/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,947
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$135,020
−HK$4,138/mo
Today · 4.125%
HK$139,158
baseline
▲ 0.50% · 4.625%
HK$147,626
+HK$8,468/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,316/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,677
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$149,584
−HK$3,964/mo
Today · 4.125%
HK$153,548
baseline
▲ 0.50% · 4.625%
HK$161,641
+HK$8,093/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,096/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,901 · Scale 2, in force from 26 Feb 2026)