LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,797
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,062
−HK$2,300/mo
Today · 4.125%
HK$77,362
baseline
▲ 0.50% · 4.625%
HK$82,070
+HK$4,708/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,724/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,986
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,158
−HK$2,204/mo
Today · 4.125%
HK$85,362
baseline
▲ 0.50% · 4.625%
HK$89,861
+HK$4,499/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,724/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,357
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,074
−HK$2,761/mo
Today · 4.125%
HK$92,835
baseline
▲ 0.50% · 4.625%
HK$98,483
+HK$5,648/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,670/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,183
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,790
−HK$2,644/mo
Today · 4.125%
HK$102,434
baseline
▲ 0.50% · 4.625%
HK$107,833
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,868/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,916
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,086
−HK$3,221/mo
Today · 4.125%
HK$108,307
baseline
▲ 0.50% · 4.625%
HK$114,897
+HK$6,590/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,614/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,381
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,421
−HK$3,085/mo
Today · 4.125%
HK$119,506
baseline
▲ 0.50% · 4.625%
HK$125,806
+HK$6,300/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,012/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,035
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$135,111
−HK$4,141/mo
Today · 4.125%
HK$139,252
baseline
▲ 0.50% · 4.625%
HK$147,725
+HK$8,473/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,504/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,775
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,685
−HK$3,966/mo
Today · 4.125%
HK$153,651
baseline
▲ 0.50% · 4.625%
HK$161,750
+HK$8,099/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,302/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,813 · Scale 2, in force from 26 Feb 2026)