LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,914
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,182
−HK$2,304/mo
Today · 4.125%
HK$77,486
baseline
▲ 0.50% · 4.625%
HK$82,201
+HK$4,715/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,972/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,116
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,291
−HK$2,207/mo
Today · 4.125%
HK$85,498
baseline
▲ 0.50% · 4.625%
HK$90,005
+HK$4,507/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$170,996/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,497
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,218
−HK$2,765/mo
Today · 4.125%
HK$92,983
baseline
▲ 0.50% · 4.625%
HK$98,641
+HK$5,658/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$185,966/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,339
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,950
−HK$2,648/mo
Today · 4.125%
HK$102,598
baseline
▲ 0.50% · 4.625%
HK$108,006
+HK$5,408/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$205,196/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,079
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,255
−HK$3,226/mo
Today · 4.125%
HK$108,481
baseline
▲ 0.50% · 4.625%
HK$115,081
+HK$6,600/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,962/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,562
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,608
−HK$3,090/mo
Today · 4.125%
HK$119,698
baseline
▲ 0.50% · 4.625%
HK$126,007
+HK$6,309/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,396/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,245
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$135,327
−HK$4,148/mo
Today · 4.125%
HK$139,475
baseline
▲ 0.50% · 4.625%
HK$147,962
+HK$8,487/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$278,950/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,009
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$149,924
−HK$3,973/mo
Today · 4.125%
HK$153,897
baseline
▲ 0.50% · 4.625%
HK$162,009
+HK$8,112/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$307,794/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,986 · Scale 2, in force from 26 Feb 2026)