LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,922
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,191
−HK$2,304/mo
Today · 4.125%
HK$77,495
baseline
▲ 0.50% · 4.625%
HK$82,211
+HK$4,716/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,990/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,125
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,301
−HK$2,207/mo
Today · 4.125%
HK$85,508
baseline
▲ 0.50% · 4.625%
HK$90,016
+HK$4,508/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$171,016/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,507
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,229
−HK$2,765/mo
Today · 4.125%
HK$92,994
baseline
▲ 0.50% · 4.625%
HK$98,653
+HK$5,659/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$185,988/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,351
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,961
−HK$2,649/mo
Today · 4.125%
HK$102,610
baseline
▲ 0.50% · 4.625%
HK$108,019
+HK$5,409/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$205,220/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,091
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,267
−HK$3,226/mo
Today · 4.125%
HK$108,493
baseline
▲ 0.50% · 4.625%
HK$115,095
+HK$6,602/mo
Deposit HK$9.59M · loan HK$22.39M · min. income ≈ HK$216,986/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,576
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,622
−HK$3,090/mo
Today · 4.125%
HK$119,712
baseline
▲ 0.50% · 4.625%
HK$126,022
+HK$6,310/mo
Deposit HK$9.59M · loan HK$22.39M · min. income ≈ HK$239,424/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,260
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,343
−HK$4,149/mo
Today · 4.125%
HK$139,492
baseline
▲ 0.50% · 4.625%
HK$147,979
+HK$8,487/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$278,984/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,026
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,942
−HK$3,973/mo
Today · 4.125%
HK$153,915
baseline
▲ 0.50% · 4.625%
HK$162,028
+HK$8,113/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$307,830/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,147 · Scale 2, in force from 26 Feb 2026)