LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,831
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,096
−HK$2,302/mo
Today · 4.125%
HK$77,398
baseline
▲ 0.50% · 4.625%
HK$82,107
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,796/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,024
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,197
−HK$2,204/mo
Today · 4.125%
HK$85,401
baseline
▲ 0.50% · 4.625%
HK$89,903
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,802/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,397
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,116
−HK$2,762/mo
Today · 4.125%
HK$92,878
baseline
▲ 0.50% · 4.625%
HK$98,529
+HK$5,651/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$185,756/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,228
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,836
−HK$2,645/mo
Today · 4.125%
HK$102,481
baseline
▲ 0.50% · 4.625%
HK$107,883
+HK$5,402/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$204,962/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,963
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,135
−HK$3,222/mo
Today · 4.125%
HK$108,357
baseline
▲ 0.50% · 4.625%
HK$114,950
+HK$6,593/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,714/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,433
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,475
−HK$3,086/mo
Today · 4.125%
HK$119,561
baseline
▲ 0.50% · 4.625%
HK$125,864
+HK$6,303/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,122/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,095
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$135,173
−HK$4,143/mo
Today · 4.125%
HK$139,316
baseline
▲ 0.50% · 4.625%
HK$147,793
+HK$8,477/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,632/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,842
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$149,754
−HK$3,968/mo
Today · 4.125%
HK$153,722
baseline
▲ 0.50% · 4.625%
HK$161,825
+HK$8,103/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,444/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,440 · Scale 2, in force from 26 Feb 2026)