LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,876
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,143
−HK$2,303/mo
Today · 4.125%
HK$77,446
baseline
▲ 0.50% · 4.625%
HK$82,158
+HK$4,712/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,892/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,074
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,248
−HK$2,206/mo
Today · 4.125%
HK$85,454
baseline
▲ 0.50% · 4.625%
HK$89,959
+HK$4,505/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,908/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,451
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,172
−HK$2,763/mo
Today · 4.125%
HK$92,935
baseline
▲ 0.50% · 4.625%
HK$98,590
+HK$5,655/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$185,870/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,289
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,898
−HK$2,647/mo
Today · 4.125%
HK$102,545
baseline
▲ 0.50% · 4.625%
HK$107,950
+HK$5,405/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$205,090/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,027
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,200
−HK$3,225/mo
Today · 4.125%
HK$108,425
baseline
▲ 0.50% · 4.625%
HK$115,022
+HK$6,597/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,850/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,504
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,548
−HK$3,088/mo
Today · 4.125%
HK$119,636
baseline
▲ 0.50% · 4.625%
HK$125,942
+HK$6,306/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,272/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,177
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,257
−HK$4,146/mo
Today · 4.125%
HK$139,403
baseline
▲ 0.50% · 4.625%
HK$147,885
+HK$8,482/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$278,806/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,933
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,847
−HK$3,970/mo
Today · 4.125%
HK$153,817
baseline
▲ 0.50% · 4.625%
HK$161,925
+HK$8,108/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$307,634/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,284 · Scale 2, in force from 26 Feb 2026)