LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,841
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,106
−HK$2,302/mo
Today · 4.125%
HK$77,408
baseline
▲ 0.50% · 4.625%
HK$82,118
+HK$4,710/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,816/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,034
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,208
−HK$2,204/mo
Today · 4.125%
HK$85,412
baseline
▲ 0.50% · 4.625%
HK$89,915
+HK$4,503/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,824/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,409
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,128
−HK$2,762/mo
Today · 4.125%
HK$92,890
baseline
▲ 0.50% · 4.625%
HK$98,542
+HK$5,652/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,780/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,241
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,849
−HK$2,646/mo
Today · 4.125%
HK$102,495
baseline
▲ 0.50% · 4.625%
HK$107,898
+HK$5,403/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$204,990/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,977
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,149
−HK$3,223/mo
Today · 4.125%
HK$108,372
baseline
▲ 0.50% · 4.625%
HK$114,966
+HK$6,594/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,744/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,448
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,491
−HK$3,086/mo
Today · 4.125%
HK$119,577
baseline
▲ 0.50% · 4.625%
HK$125,881
+HK$6,304/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,154/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,113
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,191
−HK$4,144/mo
Today · 4.125%
HK$139,335
baseline
▲ 0.50% · 4.625%
HK$147,813
+HK$8,478/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,670/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,862
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$149,774
−HK$3,968/mo
Today · 4.125%
HK$153,742
baseline
▲ 0.50% · 4.625%
HK$161,846
+HK$8,104/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,484/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,622 · Scale 2, in force from 26 Feb 2026)