LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,818
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,083
−HK$2,301/mo
Today · 4.125%
HK$77,384
baseline
▲ 0.50% · 4.625%
HK$82,093
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,768/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,009
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,181
−HK$2,205/mo
Today · 4.125%
HK$85,386
baseline
▲ 0.50% · 4.625%
HK$89,886
+HK$4,500/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,772/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,381
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,099
−HK$2,762/mo
Today · 4.125%
HK$92,861
baseline
▲ 0.50% · 4.625%
HK$98,511
+HK$5,650/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,722/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,211
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,818
−HK$2,645/mo
Today · 4.125%
HK$102,463
baseline
▲ 0.50% · 4.625%
HK$107,864
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,926/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,945
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,116
−HK$3,222/mo
Today · 4.125%
HK$108,338
baseline
▲ 0.50% · 4.625%
HK$114,930
+HK$6,592/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,676/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,412
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,454
−HK$3,086/mo
Today · 4.125%
HK$119,540
baseline
▲ 0.50% · 4.625%
HK$125,841
+HK$6,301/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,080/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,072
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,149
−HK$4,142/mo
Today · 4.125%
HK$139,291
baseline
▲ 0.50% · 4.625%
HK$147,767
+HK$8,476/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,582/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,816
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,727
−HK$3,967/mo
Today · 4.125%
HK$153,694
baseline
▲ 0.50% · 4.625%
HK$161,795
+HK$8,101/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,388/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,194 · Scale 2, in force from 26 Feb 2026)