LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,860
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,127
−HK$2,302/mo
Today · 4.125%
HK$77,429
baseline
▲ 0.50% · 4.625%
HK$82,141
+HK$4,712/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,858/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,056
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,230
−HK$2,206/mo
Today · 4.125%
HK$85,436
baseline
▲ 0.50% · 4.625%
HK$89,939
+HK$4,503/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,872/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,432
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,152
−HK$2,763/mo
Today · 4.125%
HK$92,915
baseline
▲ 0.50% · 4.625%
HK$98,569
+HK$5,654/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,830/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,268
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,876
−HK$2,647/mo
Today · 4.125%
HK$102,523
baseline
▲ 0.50% · 4.625%
HK$107,927
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,046/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,004
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,177
−HK$3,224/mo
Today · 4.125%
HK$108,401
baseline
▲ 0.50% · 4.625%
HK$114,997
+HK$6,596/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,802/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,479
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,522
−HK$3,088/mo
Today · 4.125%
HK$119,610
baseline
▲ 0.50% · 4.625%
HK$125,915
+HK$6,305/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,220/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,149
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,228
−HK$4,145/mo
Today · 4.125%
HK$139,373
baseline
▲ 0.50% · 4.625%
HK$147,853
+HK$8,480/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$278,746/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,902
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,815
−HK$3,969/mo
Today · 4.125%
HK$153,784
baseline
▲ 0.50% · 4.625%
HK$161,890
+HK$8,106/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$307,568/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,990 · Scale 2, in force from 26 Feb 2026)