LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,767
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,030
−HK$2,300/mo
Today · 4.125%
HK$77,330
baseline
▲ 0.50% · 4.625%
HK$82,035
+HK$4,705/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,660/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,952
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,123
−HK$2,203/mo
Today · 4.125%
HK$85,326
baseline
▲ 0.50% · 4.625%
HK$89,824
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,652/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,320
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,036
−HK$2,760/mo
Today · 4.125%
HK$92,796
baseline
▲ 0.50% · 4.625%
HK$98,442
+HK$5,646/mo
Deposit HK$12.76M · loan HK$19.15M · min. income ≈ HK$185,592/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,143
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,748
−HK$2,643/mo
Today · 4.125%
HK$102,391
baseline
▲ 0.50% · 4.625%
HK$107,788
+HK$5,397/mo
Deposit HK$12.76M · loan HK$19.15M · min. income ≈ HK$204,782/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,874
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,042
−HK$3,220/mo
Today · 4.125%
HK$108,262
baseline
▲ 0.50% · 4.625%
HK$114,849
+HK$6,587/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,524/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,333
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,373
−HK$3,083/mo
Today · 4.125%
HK$119,456
baseline
▲ 0.50% · 4.625%
HK$125,753
+HK$6,297/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,912/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,980
−HK$8,214/mo
▼ 0.25% · 3.875%
HK$135,054
−HK$4,140/mo
Today · 4.125%
HK$139,194
baseline
▲ 0.50% · 4.625%
HK$147,663
+HK$8,469/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,388/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,714
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$149,622
−HK$3,965/mo
Today · 4.125%
HK$153,587
baseline
▲ 0.50% · 4.625%
HK$161,682
+HK$8,095/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,174/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,246 · Scale 2, in force from 26 Feb 2026)