LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,033
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,274
−HK$2,277/mo
Today · 4.125%
HK$76,551
baseline
▲ 0.50% · 4.625%
HK$81,208
+HK$4,657/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,102/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,136
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,286
−HK$2,180/mo
Today · 4.125%
HK$84,466
baseline
▲ 0.50% · 4.625%
HK$88,918
+HK$4,452/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,932/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,440
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,129
−HK$2,732/mo
Today · 4.125%
HK$91,861
baseline
▲ 0.50% · 4.625%
HK$97,450
+HK$5,589/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$183,722/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,164
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,743
−HK$2,616/mo
Today · 4.125%
HK$101,359
baseline
▲ 0.50% · 4.625%
HK$106,702
+HK$5,343/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$202,718/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,847
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,984
−HK$3,187/mo
Today · 4.125%
HK$107,171
baseline
▲ 0.50% · 4.625%
HK$113,692
+HK$6,521/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,342/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,191
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,200
−HK$3,052/mo
Today · 4.125%
HK$118,252
baseline
▲ 0.50% · 4.625%
HK$124,486
+HK$6,234/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,504/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,660
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,693
−HK$4,098/mo
Today · 4.125%
HK$137,791
baseline
▲ 0.50% · 4.625%
HK$146,175
+HK$8,384/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,582/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,246
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,114
−HK$3,925/mo
Today · 4.125%
HK$152,039
baseline
▲ 0.50% · 4.625%
HK$160,053
+HK$8,014/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,078/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,577 · Scale 2, in force from 26 Feb 2026)