LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,049
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,290
−HK$2,277/mo
Today · 4.125%
HK$76,567
baseline
▲ 0.50% · 4.625%
HK$81,226
+HK$4,659/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,134/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,153
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,303
−HK$2,181/mo
Today · 4.125%
HK$84,484
baseline
▲ 0.50% · 4.625%
HK$88,937
+HK$4,453/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,968/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,458
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,148
−HK$2,732/mo
Today · 4.125%
HK$91,880
baseline
▲ 0.50% · 4.625%
HK$97,471
+HK$5,591/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,760/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,184
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,764
−HK$2,617/mo
Today · 4.125%
HK$101,381
baseline
▲ 0.50% · 4.625%
HK$106,725
+HK$5,344/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,762/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,868
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,006
−HK$3,188/mo
Today · 4.125%
HK$107,194
baseline
▲ 0.50% · 4.625%
HK$113,716
+HK$6,522/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,388/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,215
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,224
−HK$3,053/mo
Today · 4.125%
HK$118,277
baseline
▲ 0.50% · 4.625%
HK$124,512
+HK$6,235/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,554/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,688
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,722
−HK$4,098/mo
Today · 4.125%
HK$137,820
baseline
▲ 0.50% · 4.625%
HK$146,206
+HK$8,386/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,640/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,276
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,146
−HK$3,925/mo
Today · 4.125%
HK$152,071
baseline
▲ 0.50% · 4.625%
HK$160,087
+HK$8,016/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,142/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,863 · Scale 2, in force from 26 Feb 2026)