LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,908
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,176
−HK$2,304/mo
Today · 4.125%
HK$77,480
baseline
▲ 0.50% · 4.625%
HK$82,195
+HK$4,715/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,960/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,110
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,285
−HK$2,207/mo
Today · 4.125%
HK$85,492
baseline
▲ 0.50% · 4.625%
HK$89,998
+HK$4,506/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$170,984/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,490
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,211
−HK$2,765/mo
Today · 4.125%
HK$92,976
baseline
▲ 0.50% · 4.625%
HK$98,634
+HK$5,658/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$185,952/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,332
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,942
−HK$2,648/mo
Today · 4.125%
HK$102,590
baseline
▲ 0.50% · 4.625%
HK$107,998
+HK$5,408/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$205,180/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,071
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,246
−HK$3,226/mo
Today · 4.125%
HK$108,472
baseline
▲ 0.50% · 4.625%
HK$115,072
+HK$6,600/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,944/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,553
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,599
−HK$3,089/mo
Today · 4.125%
HK$119,688
baseline
▲ 0.50% · 4.625%
HK$125,997
+HK$6,309/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,376/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,235
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$135,317
−HK$4,147/mo
Today · 4.125%
HK$139,464
baseline
▲ 0.50% · 4.625%
HK$147,950
+HK$8,486/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$278,928/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,997
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$149,913
−HK$3,972/mo
Today · 4.125%
HK$153,885
baseline
▲ 0.50% · 4.625%
HK$161,997
+HK$8,112/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$307,770/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,881 · Scale 2, in force from 26 Feb 2026)