LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,038
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,279
−HK$2,277/mo
Today · 4.125%
HK$76,556
baseline
▲ 0.50% · 4.625%
HK$81,214
+HK$4,658/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,112/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,142
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,291
−HK$2,181/mo
Today · 4.125%
HK$84,472
baseline
▲ 0.50% · 4.625%
HK$88,924
+HK$4,452/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,944/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,446
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,135
−HK$2,732/mo
Today · 4.125%
HK$91,867
baseline
▲ 0.50% · 4.625%
HK$97,457
+HK$5,590/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,734/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,170
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,750
−HK$2,616/mo
Today · 4.125%
HK$101,366
baseline
▲ 0.50% · 4.625%
HK$106,709
+HK$5,343/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,732/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,854
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,991
−HK$3,187/mo
Today · 4.125%
HK$107,178
baseline
▲ 0.50% · 4.625%
HK$113,700
+HK$6,522/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,356/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,199
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,208
−HK$3,053/mo
Today · 4.125%
HK$118,261
baseline
▲ 0.50% · 4.625%
HK$124,494
+HK$6,233/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,522/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,669
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,703
−HK$4,097/mo
Today · 4.125%
HK$137,800
baseline
▲ 0.50% · 4.625%
HK$146,185
+HK$8,385/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,600/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,256
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,124
−HK$3,925/mo
Today · 4.125%
HK$152,049
baseline
▲ 0.50% · 4.625%
HK$160,064
+HK$8,015/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,098/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,670 · Scale 2, in force from 26 Feb 2026)