LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,774
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,038
−HK$2,300/mo
Today · 4.125%
HK$77,338
baseline
▲ 0.50% · 4.625%
HK$82,044
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,676/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,961
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,132
−HK$2,203/mo
Today · 4.125%
HK$85,335
baseline
▲ 0.50% · 4.625%
HK$89,833
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,670/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,329
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,046
−HK$2,760/mo
Today · 4.125%
HK$92,806
baseline
▲ 0.50% · 4.625%
HK$98,453
+HK$5,647/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,612/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,153
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,759
−HK$2,643/mo
Today · 4.125%
HK$102,402
baseline
▲ 0.50% · 4.625%
HK$107,800
+HK$5,398/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,804/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,884
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,053
−HK$3,220/mo
Today · 4.125%
HK$108,273
baseline
▲ 0.50% · 4.625%
HK$114,861
+HK$6,588/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,546/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,345
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,385
−HK$3,084/mo
Today · 4.125%
HK$119,469
baseline
▲ 0.50% · 4.625%
HK$125,766
+HK$6,297/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,938/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,994
−HK$8,214/mo
▼ 0.25% · 3.875%
HK$135,069
−HK$4,139/mo
Today · 4.125%
HK$139,208
baseline
▲ 0.50% · 4.625%
HK$147,679
+HK$8,471/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,416/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,729
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,638
−HK$3,965/mo
Today · 4.125%
HK$153,603
baseline
▲ 0.50% · 4.625%
HK$161,699
+HK$8,096/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,206/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,389 · Scale 2, in force from 26 Feb 2026)