LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,909
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,177
−HK$2,304/mo
Today · 4.125%
HK$77,481
baseline
▲ 0.50% · 4.625%
HK$82,195
+HK$4,714/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,962/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,358,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,110
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,286
−HK$2,206/mo
Today · 4.125%
HK$85,492
baseline
▲ 0.50% · 4.625%
HK$89,999
+HK$4,507/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$1,358,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,491
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,212
−HK$2,765/mo
Today · 4.125%
HK$92,977
baseline
▲ 0.50% · 4.625%
HK$98,634
+HK$5,657/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$185,954/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,332
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,943
−HK$2,648/mo
Today · 4.125%
HK$102,591
baseline
▲ 0.50% · 4.625%
HK$107,999
+HK$5,408/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$205,182/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,072
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,247
−HK$3,226/mo
Today · 4.125%
HK$108,473
baseline
▲ 0.50% · 4.625%
HK$115,073
+HK$6,600/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,946/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,554
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,600
−HK$3,089/mo
Today · 4.125%
HK$119,689
baseline
▲ 0.50% · 4.625%
HK$125,998
+HK$6,309/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,378/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,236
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$135,318
−HK$4,147/mo
Today · 4.125%
HK$139,465
baseline
▲ 0.50% · 4.625%
HK$147,952
+HK$8,487/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$278,930/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,999
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,914
−HK$3,972/mo
Today · 4.125%
HK$153,886
baseline
▲ 0.50% · 4.625%
HK$161,998
+HK$8,112/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$307,772/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,893 · Scale 2, in force from 26 Feb 2026)