LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,798
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,063
−HK$2,300/mo
Today · 4.125%
HK$77,363
baseline
▲ 0.50% · 4.625%
HK$82,071
+HK$4,708/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,726/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,987
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,159
−HK$2,204/mo
Today · 4.125%
HK$85,363
baseline
▲ 0.50% · 4.625%
HK$89,862
+HK$4,499/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,726/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,358
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,075
−HK$2,761/mo
Today · 4.125%
HK$92,836
baseline
▲ 0.50% · 4.625%
HK$98,485
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,672/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,185
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,791
−HK$2,644/mo
Today · 4.125%
HK$102,435
baseline
▲ 0.50% · 4.625%
HK$107,835
+HK$5,400/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,870/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,917
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,088
−HK$3,220/mo
Today · 4.125%
HK$108,308
baseline
▲ 0.50% · 4.625%
HK$114,899
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,616/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,382
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,423
−HK$3,085/mo
Today · 4.125%
HK$119,508
baseline
▲ 0.50% · 4.625%
HK$125,807
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,016/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,037
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$135,113
−HK$4,141/mo
Today · 4.125%
HK$139,254
baseline
▲ 0.50% · 4.625%
HK$147,727
+HK$8,473/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,508/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,777
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,687
−HK$3,966/mo
Today · 4.125%
HK$153,653
baseline
▲ 0.50% · 4.625%
HK$161,752
+HK$8,099/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,306/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,830 · Scale 2, in force from 26 Feb 2026)