LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,799
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,063
−HK$2,301/mo
Today · 4.125%
HK$77,364
baseline
▲ 0.50% · 4.625%
HK$82,071
+HK$4,707/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,728/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,988
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,160
−HK$2,203/mo
Today · 4.125%
HK$85,363
baseline
▲ 0.50% · 4.625%
HK$89,863
+HK$4,500/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$1,356,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,358
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,076
−HK$2,760/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$1,356,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,185
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,792
−HK$2,644/mo
Today · 4.125%
HK$102,436
baseline
▲ 0.50% · 4.625%
HK$107,835
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,872/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,918
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,088
−HK$3,221/mo
Today · 4.125%
HK$108,309
baseline
▲ 0.50% · 4.625%
HK$114,900
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,618/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,383
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,424
−HK$3,085/mo
Today · 4.125%
HK$119,509
baseline
▲ 0.50% · 4.625%
HK$125,808
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,018/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,038
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$135,114
−HK$4,141/mo
Today · 4.125%
HK$139,255
baseline
▲ 0.50% · 4.625%
HK$147,728
+HK$8,473/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,510/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,778
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,688
−HK$3,966/mo
Today · 4.125%
HK$153,654
baseline
▲ 0.50% · 4.625%
HK$161,753
+HK$8,099/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,308/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,840 · Scale 2, in force from 26 Feb 2026)