LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,942
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,211
−HK$2,306/mo
Today · 4.125%
HK$77,517
baseline
▲ 0.50% · 4.625%
HK$82,233
+HK$4,716/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$155,034/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,148
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,324
−HK$2,208/mo
Today · 4.125%
HK$85,532
baseline
▲ 0.50% · 4.625%
HK$90,040
+HK$4,508/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$171,064/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,531
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,254
−HK$2,766/mo
Today · 4.125%
HK$93,020
baseline
▲ 0.50% · 4.625%
HK$98,680
+HK$5,660/mo
Deposit HK$12.80M · loan HK$19.19M · min. income ≈ HK$186,040/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,377
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,989
−HK$2,649/mo
Today · 4.125%
HK$102,638
baseline
▲ 0.50% · 4.625%
HK$108,048
+HK$5,410/mo
Deposit HK$12.80M · loan HK$19.19M · min. income ≈ HK$205,276/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,119
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,296
−HK$3,227/mo
Today · 4.125%
HK$108,523
baseline
▲ 0.50% · 4.625%
HK$115,127
+HK$6,604/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$217,046/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,607
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,654
−HK$3,091/mo
Today · 4.125%
HK$119,745
baseline
▲ 0.50% · 4.625%
HK$126,057
+HK$6,312/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$239,490/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,296
−HK$8,234/mo
▼ 0.25% · 3.875%
HK$135,380
−HK$4,150/mo
Today · 4.125%
HK$139,530
baseline
▲ 0.50% · 4.625%
HK$148,020
+HK$8,490/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,060/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,066
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,983
−HK$3,974/mo
Today · 4.125%
HK$153,957
baseline
▲ 0.50% · 4.625%
HK$162,073
+HK$8,116/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,914/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,520 · Scale 2, in force from 26 Feb 2026)