LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,053
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,294
−HK$2,277/mo
Today · 4.125%
HK$76,571
baseline
▲ 0.50% · 4.625%
HK$81,230
+HK$4,659/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,142/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,158
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,308
−HK$2,181/mo
Today · 4.125%
HK$84,489
baseline
▲ 0.50% · 4.625%
HK$88,942
+HK$4,453/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,978/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,463
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,153
−HK$2,732/mo
Today · 4.125%
HK$91,885
baseline
▲ 0.50% · 4.625%
HK$97,476
+HK$5,591/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,770/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,190
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,769
−HK$2,617/mo
Today · 4.125%
HK$101,386
baseline
▲ 0.50% · 4.625%
HK$106,731
+HK$5,345/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,772/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,874
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,012
−HK$3,188/mo
Today · 4.125%
HK$107,200
baseline
▲ 0.50% · 4.625%
HK$113,722
+HK$6,522/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,400/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,221
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,231
−HK$3,053/mo
Today · 4.125%
HK$118,284
baseline
▲ 0.50% · 4.625%
HK$124,519
+HK$6,235/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,568/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,695
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,729
−HK$4,099/mo
Today · 4.125%
HK$137,828
baseline
▲ 0.50% · 4.625%
HK$146,214
+HK$8,386/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,656/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,284
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,154
−HK$3,926/mo
Today · 4.125%
HK$152,080
baseline
▲ 0.50% · 4.625%
HK$160,096
+HK$8,016/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,160/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,938 · Scale 2, in force from 26 Feb 2026)