LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,059
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,300
−HK$2,277/mo
Today · 4.125%
HK$76,577
baseline
▲ 0.50% · 4.625%
HK$81,237
+HK$4,660/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,154/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,164
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,314
−HK$2,181/mo
Today · 4.125%
HK$84,495
baseline
▲ 0.50% · 4.625%
HK$88,949
+HK$4,454/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,990/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,470
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,160
−HK$2,733/mo
Today · 4.125%
HK$91,893
baseline
▲ 0.50% · 4.625%
HK$97,484
+HK$5,591/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,786/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,197
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,777
−HK$2,618/mo
Today · 4.125%
HK$101,395
baseline
▲ 0.50% · 4.625%
HK$106,739
+HK$5,344/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,790/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,882
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,020
−HK$3,188/mo
Today · 4.125%
HK$107,208
baseline
▲ 0.50% · 4.625%
HK$113,732
+HK$6,524/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,416/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,230
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,240
−HK$3,054/mo
Today · 4.125%
HK$118,294
baseline
▲ 0.50% · 4.625%
HK$124,529
+HK$6,235/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,588/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,705
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,740
−HK$4,099/mo
Today · 4.125%
HK$137,839
baseline
▲ 0.50% · 4.625%
HK$146,226
+HK$8,387/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,678/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,296
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,166
−HK$3,926/mo
Today · 4.125%
HK$152,092
baseline
▲ 0.50% · 4.625%
HK$160,109
+HK$8,017/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,184/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,046 · Scale 2, in force from 26 Feb 2026)