LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,072
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,314
−HK$2,277/mo
Today · 4.125%
HK$76,591
baseline
▲ 0.50% · 4.625%
HK$81,252
+HK$4,661/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,182/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,179
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,330
−HK$2,181/mo
Today · 4.125%
HK$84,511
baseline
▲ 0.50% · 4.625%
HK$88,966
+HK$4,455/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$169,022/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,486
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,177
−HK$2,733/mo
Today · 4.125%
HK$91,910
baseline
▲ 0.50% · 4.625%
HK$97,502
+HK$5,592/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,820/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,215
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,796
−HK$2,617/mo
Today · 4.125%
HK$101,413
baseline
▲ 0.50% · 4.625%
HK$106,759
+HK$5,346/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,826/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,901
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,039
−HK$3,189/mo
Today · 4.125%
HK$107,228
baseline
▲ 0.50% · 4.625%
HK$113,753
+HK$6,525/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,456/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,251
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,262
−HK$3,054/mo
Today · 4.125%
HK$118,316
baseline
▲ 0.50% · 4.625%
HK$124,552
+HK$6,236/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,632/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,729
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,765
−HK$4,100/mo
Today · 4.125%
HK$137,865
baseline
▲ 0.50% · 4.625%
HK$146,253
+HK$8,388/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$275,730/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,323
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,193
−HK$3,927/mo
Today · 4.125%
HK$152,120
baseline
▲ 0.50% · 4.625%
HK$160,139
+HK$8,019/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$304,240/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,296 · Scale 2, in force from 26 Feb 2026)