LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,774
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,037
−HK$2,300/mo
Today · 4.125%
HK$77,337
baseline
▲ 0.50% · 4.625%
HK$82,043
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,674/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,960
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,131
−HK$2,203/mo
Today · 4.125%
HK$85,334
baseline
▲ 0.50% · 4.625%
HK$89,832
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,668/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,328
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,045
−HK$2,760/mo
Today · 4.125%
HK$92,805
baseline
▲ 0.50% · 4.625%
HK$98,452
+HK$5,647/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,610/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,152
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,757
−HK$2,644/mo
Today · 4.125%
HK$102,401
baseline
▲ 0.50% · 4.625%
HK$107,798
+HK$5,397/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,802/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,883
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,052
−HK$3,220/mo
Today · 4.125%
HK$108,272
baseline
▲ 0.50% · 4.625%
HK$114,860
+HK$6,588/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,544/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,344
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,384
−HK$3,083/mo
Today · 4.125%
HK$119,467
baseline
▲ 0.50% · 4.625%
HK$125,765
+HK$6,298/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,934/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,993
−HK$8,214/mo
▼ 0.25% · 3.875%
HK$135,067
−HK$4,140/mo
Today · 4.125%
HK$139,207
baseline
▲ 0.50% · 4.625%
HK$147,677
+HK$8,470/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,414/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,728
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$149,636
−HK$3,965/mo
Today · 4.125%
HK$153,601
baseline
▲ 0.50% · 4.625%
HK$161,698
+HK$8,097/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,202/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,374 · Scale 2, in force from 26 Feb 2026)