LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,046
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,288
−HK$2,276/mo
Today · 4.125%
HK$76,564
baseline
▲ 0.50% · 4.625%
HK$81,223
+HK$4,659/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,128/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,151
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,301
−HK$2,180/mo
Today · 4.125%
HK$84,481
baseline
▲ 0.50% · 4.625%
HK$88,934
+HK$4,453/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,962/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,456
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,145
−HK$2,732/mo
Today · 4.125%
HK$91,877
baseline
▲ 0.50% · 4.625%
HK$97,468
+HK$5,591/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,754/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,181
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,761
−HK$2,617/mo
Today · 4.125%
HK$101,378
baseline
▲ 0.50% · 4.625%
HK$106,721
+HK$5,343/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,756/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,865
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,003
−HK$3,187/mo
Today · 4.125%
HK$107,190
baseline
▲ 0.50% · 4.625%
HK$113,712
+HK$6,522/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,380/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,211
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,221
−HK$3,053/mo
Today · 4.125%
HK$118,274
baseline
▲ 0.50% · 4.625%
HK$124,508
+HK$6,234/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,548/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,684
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,718
−HK$4,098/mo
Today · 4.125%
HK$137,816
baseline
▲ 0.50% · 4.625%
HK$146,202
+HK$8,386/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,632/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,272
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$148,141
−HK$3,925/mo
Today · 4.125%
HK$152,066
baseline
▲ 0.50% · 4.625%
HK$160,082
+HK$8,016/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,132/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,821 · Scale 2, in force from 26 Feb 2026)