LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,752
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,015
−HK$2,299/mo
Today · 4.125%
HK$77,314
baseline
▲ 0.50% · 4.625%
HK$82,019
+HK$4,705/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,628/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,936
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,107
−HK$2,202/mo
Today · 4.125%
HK$85,309
baseline
▲ 0.50% · 4.625%
HK$89,806
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,618/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,303
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,018
−HK$2,759/mo
Today · 4.125%
HK$92,777
baseline
▲ 0.50% · 4.625%
HK$98,423
+HK$5,646/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,554/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,123
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,728
−HK$2,643/mo
Today · 4.125%
HK$102,371
baseline
▲ 0.50% · 4.625%
HK$107,767
+HK$5,396/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,742/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,853
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,021
−HK$3,219/mo
Today · 4.125%
HK$108,240
baseline
▲ 0.50% · 4.625%
HK$114,826
+HK$6,586/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,480/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,311
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,350
−HK$3,082/mo
Today · 4.125%
HK$119,432
baseline
▲ 0.50% · 4.625%
HK$125,728
+HK$6,296/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,864/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,954
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$135,027
−HK$4,139/mo
Today · 4.125%
HK$139,166
baseline
▲ 0.50% · 4.625%
HK$147,634
+HK$8,468/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,332/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,685
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$149,592
−HK$3,964/mo
Today · 4.125%
HK$153,556
baseline
▲ 0.50% · 4.625%
HK$161,650
+HK$8,094/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,112/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,976 · Scale 2, in force from 26 Feb 2026)