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$82,087
+HK$4,709/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$1,357,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,003
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,175
−HK$2,204/mo
Today · 4.125%
HK$85,379
baseline
▲ 0.50% · 4.625%
HK$89,880
+HK$4,501/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$1,357,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,375
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,093
−HK$2,761/mo
Today · 4.125%
HK$92,854
baseline
▲ 0.50% · 4.625%
HK$98,504
+HK$5,650/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,708/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,203
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,810
−HK$2,645/mo
Today · 4.125%
HK$102,455
baseline
▲ 0.50% · 4.625%
HK$107,856
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,910/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,937
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,108
−HK$3,222/mo
Today · 4.125%
HK$108,330
baseline
▲ 0.50% · 4.625%
HK$114,921
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,660/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,404
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,446
−HK$3,085/mo
Today · 4.125%
HK$119,531
baseline
▲ 0.50% · 4.625%
HK$125,832
+HK$6,301/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,062/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,062
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,139
−HK$4,142/mo
Today · 4.125%
HK$139,281
baseline
▲ 0.50% · 4.625%
HK$147,756
+HK$8,475/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,562/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,805
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,716
−HK$3,967/mo
Today · 4.125%
HK$153,683
baseline
▲ 0.50% · 4.625%
HK$161,783
+HK$8,100/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,366/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,094 · Scale 2, in force from 26 Feb 2026)