LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,821
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,086
−HK$2,302/mo
Today · 4.125%
HK$77,388
baseline
▲ 0.50% · 4.625%
HK$82,097
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,776/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,013
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,186
−HK$2,204/mo
Today · 4.125%
HK$85,390
baseline
▲ 0.50% · 4.625%
HK$89,891
+HK$4,501/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,780/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,385
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,104
−HK$2,761/mo
Today · 4.125%
HK$92,865
baseline
▲ 0.50% · 4.625%
HK$98,516
+HK$5,651/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,730/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,215
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,823
−HK$2,645/mo
Today · 4.125%
HK$102,468
baseline
▲ 0.50% · 4.625%
HK$107,869
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,936/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,950
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,121
−HK$3,222/mo
Today · 4.125%
HK$108,343
baseline
▲ 0.50% · 4.625%
HK$114,935
+HK$6,592/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,686/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,418
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,460
−HK$3,086/mo
Today · 4.125%
HK$119,546
baseline
▲ 0.50% · 4.625%
HK$125,847
+HK$6,301/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,092/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,078
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$135,155
−HK$4,143/mo
Today · 4.125%
HK$139,298
baseline
▲ 0.50% · 4.625%
HK$147,774
+HK$8,476/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,596/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,823
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,734
−HK$3,967/mo
Today · 4.125%
HK$153,701
baseline
▲ 0.50% · 4.625%
HK$161,803
+HK$8,102/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,402/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,260 · Scale 2, in force from 26 Feb 2026)