LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,803
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,068
−HK$2,301/mo
Today · 4.125%
HK$77,369
baseline
▲ 0.50% · 4.625%
HK$82,076
+HK$4,707/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,738/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,993
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,165
−HK$2,204/mo
Today · 4.125%
HK$85,369
baseline
▲ 0.50% · 4.625%
HK$89,869
+HK$4,500/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,738/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,364
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,082
−HK$2,761/mo
Today · 4.125%
HK$92,843
baseline
▲ 0.50% · 4.625%
HK$98,492
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,686/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,192
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,798
−HK$2,645/mo
Today · 4.125%
HK$102,443
baseline
▲ 0.50% · 4.625%
HK$107,842
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,886/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,925
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,095
−HK$3,221/mo
Today · 4.125%
HK$108,316
baseline
▲ 0.50% · 4.625%
HK$114,907
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,632/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,390
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,431
−HK$3,085/mo
Today · 4.125%
HK$119,516
baseline
▲ 0.50% · 4.625%
HK$125,816
+HK$6,300/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,032/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,046
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,122
−HK$4,142/mo
Today · 4.125%
HK$139,264
baseline
▲ 0.50% · 4.625%
HK$147,738
+HK$8,474/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,528/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,787
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,697
−HK$3,967/mo
Today · 4.125%
HK$153,664
baseline
▲ 0.50% · 4.625%
HK$161,764
+HK$8,100/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,328/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,928 · Scale 2, in force from 26 Feb 2026)