LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,852
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,118
−HK$2,303/mo
Today · 4.125%
HK$77,421
baseline
▲ 0.50% · 4.625%
HK$82,132
+HK$4,711/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,842/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,047
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,221
−HK$2,205/mo
Today · 4.125%
HK$85,426
baseline
▲ 0.50% · 4.625%
HK$89,929
+HK$4,503/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,852/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,423
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,142
−HK$2,763/mo
Today · 4.125%
HK$92,905
baseline
▲ 0.50% · 4.625%
HK$98,558
+HK$5,653/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,810/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,257
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,865
−HK$2,646/mo
Today · 4.125%
HK$102,511
baseline
▲ 0.50% · 4.625%
HK$107,915
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,022/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,993
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,166
−HK$3,223/mo
Today · 4.125%
HK$108,389
baseline
▲ 0.50% · 4.625%
HK$114,984
+HK$6,595/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,778/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,466
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,509
−HK$3,087/mo
Today · 4.125%
HK$119,596
baseline
▲ 0.50% · 4.625%
HK$125,901
+HK$6,305/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,192/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,134
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,213
−HK$4,144/mo
Today · 4.125%
HK$139,357
baseline
▲ 0.50% · 4.625%
HK$147,837
+HK$8,480/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,714/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,885
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,798
−HK$3,969/mo
Today · 4.125%
HK$153,767
baseline
▲ 0.50% · 4.625%
HK$161,872
+HK$8,105/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,534/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,838 · Scale 2, in force from 26 Feb 2026)