LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,063
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,305
−HK$2,277/mo
Today · 4.125%
HK$76,582
baseline
▲ 0.50% · 4.625%
HK$81,242
+HK$4,660/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,164/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,169
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,320
−HK$2,181/mo
Today · 4.125%
HK$84,501
baseline
▲ 0.50% · 4.625%
HK$88,955
+HK$4,454/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$169,002/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,476
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,166
−HK$2,732/mo
Today · 4.125%
HK$91,898
baseline
▲ 0.50% · 4.625%
HK$97,490
+HK$5,592/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,796/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,203
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,783
−HK$2,618/mo
Today · 4.125%
HK$101,401
baseline
▲ 0.50% · 4.625%
HK$106,746
+HK$5,345/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,802/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,888
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,027
−HK$3,188/mo
Today · 4.125%
HK$107,215
baseline
▲ 0.50% · 4.625%
HK$113,739
+HK$6,524/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,430/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,237
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,247
−HK$3,054/mo
Today · 4.125%
HK$118,301
baseline
▲ 0.50% · 4.625%
HK$124,537
+HK$6,236/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,602/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,714
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,748
−HK$4,100/mo
Today · 4.125%
HK$137,848
baseline
▲ 0.50% · 4.625%
HK$146,235
+HK$8,387/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,696/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,305
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,175
−HK$3,926/mo
Today · 4.125%
HK$152,101
baseline
▲ 0.50% · 4.625%
HK$160,119
+HK$8,018/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,202/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,131 · Scale 2, in force from 26 Feb 2026)