LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,954
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,192
−HK$2,274/mo
Today · 4.125%
HK$76,466
baseline
▲ 0.50% · 4.625%
HK$81,119
+HK$4,653/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,932/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,048
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,195
−HK$2,178/mo
Today · 4.125%
HK$84,373
baseline
▲ 0.50% · 4.625%
HK$88,820
+HK$4,447/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,746/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,345
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,030
−HK$2,729/mo
Today · 4.125%
HK$91,759
baseline
▲ 0.50% · 4.625%
HK$97,342
+HK$5,583/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,518/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,057
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,634
−HK$2,613/mo
Today · 4.125%
HK$101,247
baseline
▲ 0.50% · 4.625%
HK$106,584
+HK$5,337/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,494/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,735
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,869
−HK$3,183/mo
Today · 4.125%
HK$107,052
baseline
▲ 0.50% · 4.625%
HK$113,566
+HK$6,514/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,104/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,067
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,073
−HK$3,049/mo
Today · 4.125%
HK$118,122
baseline
▲ 0.50% · 4.625%
HK$124,348
+HK$6,226/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,244/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,517
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,546
−HK$4,093/mo
Today · 4.125%
HK$137,639
baseline
▲ 0.50% · 4.625%
HK$146,014
+HK$8,375/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$275,278/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,086
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,950
−HK$3,921/mo
Today · 4.125%
HK$151,871
baseline
▲ 0.50% · 4.625%
HK$159,876
+HK$8,005/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$303,742/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,094 · Scale 2, in force from 26 Feb 2026)