LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,825
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,090
−HK$2,302/mo
Today · 4.125%
HK$77,392
baseline
▲ 0.50% · 4.625%
HK$82,101
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,784/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,017
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,190
−HK$2,204/mo
Today · 4.125%
HK$85,394
baseline
▲ 0.50% · 4.625%
HK$89,895
+HK$4,501/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,788/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,390
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,108
−HK$2,762/mo
Today · 4.125%
HK$92,870
baseline
▲ 0.50% · 4.625%
HK$98,521
+HK$5,651/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,740/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,220
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,828
−HK$2,645/mo
Today · 4.125%
HK$102,473
baseline
▲ 0.50% · 4.625%
HK$107,874
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,946/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,955
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,126
−HK$3,222/mo
Today · 4.125%
HK$108,348
baseline
▲ 0.50% · 4.625%
HK$114,941
+HK$6,593/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,696/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,424
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,466
−HK$3,085/mo
Today · 4.125%
HK$119,551
baseline
▲ 0.50% · 4.625%
HK$125,853
+HK$6,302/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,102/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,085
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$135,162
−HK$4,143/mo
Today · 4.125%
HK$139,305
baseline
▲ 0.50% · 4.625%
HK$147,781
+HK$8,476/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,610/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,830
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$149,741
−HK$3,968/mo
Today · 4.125%
HK$153,709
baseline
▲ 0.50% · 4.625%
HK$161,811
+HK$8,102/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,418/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,327 · Scale 2, in force from 26 Feb 2026)