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$82,051
+HK$4,707/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$1,356,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,967
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,139
−HK$2,203/mo
Today · 4.125%
HK$85,342
baseline
▲ 0.50% · 4.625%
HK$89,840
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,684/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,336
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,053
−HK$2,760/mo
Today · 4.125%
HK$92,813
baseline
▲ 0.50% · 4.625%
HK$98,461
+HK$5,648/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,626/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,161
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,767
−HK$2,643/mo
Today · 4.125%
HK$102,410
baseline
▲ 0.50% · 4.625%
HK$107,808
+HK$5,398/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,820/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,893
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,062
−HK$3,220/mo
Today · 4.125%
HK$108,282
baseline
▲ 0.50% · 4.625%
HK$114,871
+HK$6,589/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$216,564/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,354
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,395
−HK$3,084/mo
Today · 4.125%
HK$119,479
baseline
▲ 0.50% · 4.625%
HK$125,776
+HK$6,297/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$238,958/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,005
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,080
−HK$4,140/mo
Today · 4.125%
HK$139,220
baseline
▲ 0.50% · 4.625%
HK$147,691
+HK$8,471/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,440/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,741
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,650
−HK$3,965/mo
Today · 4.125%
HK$153,615
baseline
▲ 0.50% · 4.625%
HK$161,713
+HK$8,098/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,230/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,500 · Scale 2, in force from 26 Feb 2026)