LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,905
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,173
−HK$2,304/mo
Today · 4.125%
HK$77,477
baseline
▲ 0.50% · 4.625%
HK$82,191
+HK$4,714/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,954/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,106
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,281
−HK$2,207/mo
Today · 4.125%
HK$85,488
baseline
▲ 0.50% · 4.625%
HK$89,994
+HK$4,506/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$170,976/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,486
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,207
−HK$2,765/mo
Today · 4.125%
HK$92,972
baseline
▲ 0.50% · 4.625%
HK$98,629
+HK$5,657/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$185,944/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,327
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,937
−HK$2,648/mo
Today · 4.125%
HK$102,585
baseline
▲ 0.50% · 4.625%
HK$107,993
+HK$5,408/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$205,170/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,067
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,242
−HK$3,225/mo
Today · 4.125%
HK$108,467
baseline
▲ 0.50% · 4.625%
HK$115,067
+HK$6,600/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,934/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,548
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,594
−HK$3,089/mo
Today · 4.125%
HK$119,683
baseline
▲ 0.50% · 4.625%
HK$125,992
+HK$6,309/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,366/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,229
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$135,311
−HK$4,147/mo
Today · 4.125%
HK$139,458
baseline
▲ 0.50% · 4.625%
HK$147,944
+HK$8,486/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$278,916/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,991
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,906
−HK$3,972/mo
Today · 4.125%
HK$153,878
baseline
▲ 0.50% · 4.625%
HK$161,989
+HK$8,111/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$307,756/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,819 · Scale 2, in force from 26 Feb 2026)