LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,844
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,110
−HK$2,302/mo
Today · 4.125%
HK$77,412
baseline
▲ 0.50% · 4.625%
HK$82,123
+HK$4,711/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,824/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,039
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,212
−HK$2,205/mo
Today · 4.125%
HK$85,417
baseline
▲ 0.50% · 4.625%
HK$89,919
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,834/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,413
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,132
−HK$2,763/mo
Today · 4.125%
HK$92,895
baseline
▲ 0.50% · 4.625%
HK$98,547
+HK$5,652/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,790/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,246
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,855
−HK$2,645/mo
Today · 4.125%
HK$102,500
baseline
▲ 0.50% · 4.625%
HK$107,903
+HK$5,403/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,000/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,982
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,154
−HK$3,223/mo
Today · 4.125%
HK$108,377
baseline
▲ 0.50% · 4.625%
HK$114,972
+HK$6,595/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,754/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,454
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,497
−HK$3,087/mo
Today · 4.125%
HK$119,584
baseline
▲ 0.50% · 4.625%
HK$125,887
+HK$6,303/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,168/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,120
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,199
−HK$4,143/mo
Today · 4.125%
HK$139,342
baseline
▲ 0.50% · 4.625%
HK$147,821
+HK$8,479/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,684/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,870
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,782
−HK$3,969/mo
Today · 4.125%
HK$153,751
baseline
▲ 0.50% · 4.625%
HK$161,855
+HK$8,104/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,502/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,694 · Scale 2, in force from 26 Feb 2026)