LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,983
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,222
−HK$2,275/mo
Today · 4.125%
HK$76,497
baseline
▲ 0.50% · 4.625%
HK$81,152
+HK$4,655/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,994/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,081
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,228
−HK$2,179/mo
Today · 4.125%
HK$84,407
baseline
▲ 0.50% · 4.625%
HK$88,856
+HK$4,449/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,814/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,380
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,067
−HK$2,730/mo
Today · 4.125%
HK$91,797
baseline
▲ 0.50% · 4.625%
HK$97,382
+HK$5,585/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,594/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,097
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,674
−HK$2,615/mo
Today · 4.125%
HK$101,289
baseline
▲ 0.50% · 4.625%
HK$106,628
+HK$5,339/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,578/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,777
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,911
−HK$3,185/mo
Today · 4.125%
HK$107,096
baseline
▲ 0.50% · 4.625%
HK$113,613
+HK$6,517/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,192/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,113
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,120
−HK$3,050/mo
Today · 4.125%
HK$118,170
baseline
▲ 0.50% · 4.625%
HK$124,399
+HK$6,229/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,340/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,570
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,600
−HK$4,095/mo
Today · 4.125%
HK$137,695
baseline
▲ 0.50% · 4.625%
HK$146,074
+HK$8,379/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,390/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,145
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,011
−HK$3,922/mo
Today · 4.125%
HK$151,933
baseline
▲ 0.50% · 4.625%
HK$159,942
+HK$8,009/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,866/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,644 · Scale 2, in force from 26 Feb 2026)