LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,780
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,044
−HK$2,300/mo
Today · 4.125%
HK$77,344
baseline
▲ 0.50% · 4.625%
HK$82,050
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,688/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,967
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,138
−HK$2,203/mo
Today · 4.125%
HK$85,341
baseline
▲ 0.50% · 4.625%
HK$89,839
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,682/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,336
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,052
−HK$2,760/mo
Today · 4.125%
HK$92,812
baseline
▲ 0.50% · 4.625%
HK$98,460
+HK$5,648/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,624/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,160
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,766
−HK$2,643/mo
Today · 4.125%
HK$102,409
baseline
▲ 0.50% · 4.625%
HK$107,807
+HK$5,398/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,818/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,892
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,061
−HK$3,220/mo
Today · 4.125%
HK$108,281
baseline
▲ 0.50% · 4.625%
HK$114,870
+HK$6,589/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$216,562/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,353
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,393
−HK$3,084/mo
Today · 4.125%
HK$119,477
baseline
▲ 0.50% · 4.625%
HK$125,775
+HK$6,298/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$238,954/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,003
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,078
−HK$4,140/mo
Today · 4.125%
HK$139,218
baseline
▲ 0.50% · 4.625%
HK$147,690
+HK$8,472/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,436/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,740
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,649
−HK$3,965/mo
Today · 4.125%
HK$153,614
baseline
▲ 0.50% · 4.625%
HK$161,711
+HK$8,097/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,228/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,486 · Scale 2, in force from 26 Feb 2026)