LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,755
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,018
−HK$2,300/mo
Today · 4.125%
HK$77,318
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,704/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,636/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,939
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,110
−HK$2,202/mo
Today · 4.125%
HK$85,312
baseline
▲ 0.50% · 4.625%
HK$89,809
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,624/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,306
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,022
−HK$2,759/mo
Today · 4.125%
HK$92,781
baseline
▲ 0.50% · 4.625%
HK$98,427
+HK$5,646/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,562/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,127
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,732
−HK$2,643/mo
Today · 4.125%
HK$102,375
baseline
▲ 0.50% · 4.625%
HK$107,771
+HK$5,396/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,750/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,857
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,026
−HK$3,219/mo
Today · 4.125%
HK$108,245
baseline
▲ 0.50% · 4.625%
HK$114,831
+HK$6,586/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,490/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,315
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,354
−HK$3,083/mo
Today · 4.125%
HK$119,437
baseline
▲ 0.50% · 4.625%
HK$125,733
+HK$6,296/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,874/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,959
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,033
−HK$4,139/mo
Today · 4.125%
HK$139,172
baseline
▲ 0.50% · 4.625%
HK$147,640
+HK$8,468/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,344/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,691
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$149,598
−HK$3,964/mo
Today · 4.125%
HK$153,562
baseline
▲ 0.50% · 4.625%
HK$161,657
+HK$8,095/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,124/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,031 · Scale 2, in force from 26 Feb 2026)