LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,808
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,073
−HK$2,300/mo
Today · 4.125%
HK$77,373
baseline
▲ 0.50% · 4.625%
HK$82,081
+HK$4,708/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,746/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,998
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,170
−HK$2,204/mo
Today · 4.125%
HK$85,374
baseline
▲ 0.50% · 4.625%
HK$89,874
+HK$4,500/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,748/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,369
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,087
−HK$2,761/mo
Today · 4.125%
HK$92,848
baseline
▲ 0.50% · 4.625%
HK$98,498
+HK$5,650/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,696/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,198
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,804
−HK$2,645/mo
Today · 4.125%
HK$102,449
baseline
▲ 0.50% · 4.625%
HK$107,849
+HK$5,400/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,898/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,931
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,102
−HK$3,221/mo
Today · 4.125%
HK$108,323
baseline
▲ 0.50% · 4.625%
HK$114,914
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,646/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,397
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,438
−HK$3,086/mo
Today · 4.125%
HK$119,524
baseline
▲ 0.50% · 4.625%
HK$125,824
+HK$6,300/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,048/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,054
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,131
−HK$4,141/mo
Today · 4.125%
HK$139,272
baseline
▲ 0.50% · 4.625%
HK$147,747
+HK$8,475/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,544/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,796
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,706
−HK$3,967/mo
Today · 4.125%
HK$153,673
baseline
▲ 0.50% · 4.625%
HK$161,774
+HK$8,101/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,346/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,010 · Scale 2, in force from 26 Feb 2026)