LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,812
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,077
−HK$2,301/mo
Today · 4.125%
HK$77,378
baseline
▲ 0.50% · 4.625%
HK$82,086
+HK$4,708/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,756/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,002
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,175
−HK$2,204/mo
Today · 4.125%
HK$85,379
baseline
▲ 0.50% · 4.625%
HK$89,879
+HK$4,500/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,758/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,374
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,092
−HK$2,761/mo
Today · 4.125%
HK$92,853
baseline
▲ 0.50% · 4.625%
HK$98,503
+HK$5,650/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,706/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,203
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,810
−HK$2,644/mo
Today · 4.125%
HK$102,454
baseline
▲ 0.50% · 4.625%
HK$107,855
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,908/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,937
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,107
−HK$3,222/mo
Today · 4.125%
HK$108,329
baseline
▲ 0.50% · 4.625%
HK$114,920
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,658/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,403
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,445
−HK$3,085/mo
Today · 4.125%
HK$119,530
baseline
▲ 0.50% · 4.625%
HK$125,831
+HK$6,301/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,060/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,061
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,138
−HK$4,142/mo
Today · 4.125%
HK$139,280
baseline
▲ 0.50% · 4.625%
HK$147,755
+HK$8,475/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,560/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,804
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,715
−HK$3,967/mo
Today · 4.125%
HK$153,682
baseline
▲ 0.50% · 4.625%
HK$161,782
+HK$8,100/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,364/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,086 · Scale 2, in force from 26 Feb 2026)