LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,080
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,322
−HK$2,278/mo
Today · 4.125%
HK$76,600
baseline
▲ 0.50% · 4.625%
HK$81,261
+HK$4,661/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,200/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,188
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,339
−HK$2,182/mo
Today · 4.125%
HK$84,521
baseline
▲ 0.50% · 4.625%
HK$88,976
+HK$4,455/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,042/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,496
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,187
−HK$2,733/mo
Today · 4.125%
HK$91,920
baseline
▲ 0.50% · 4.625%
HK$97,513
+HK$5,593/mo
Deposit HK$12.64M · loan HK$18.97M · min. income ≈ HK$183,840/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,226
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,807
−HK$2,618/mo
Today · 4.125%
HK$101,425
baseline
▲ 0.50% · 4.625%
HK$106,771
+HK$5,346/mo
Deposit HK$12.64M · loan HK$18.97M · min. income ≈ HK$202,850/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,912
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,051
−HK$3,189/mo
Today · 4.125%
HK$107,240
baseline
▲ 0.50% · 4.625%
HK$113,765
+HK$6,525/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$214,480/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,264
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,274
−HK$3,055/mo
Today · 4.125%
HK$118,329
baseline
▲ 0.50% · 4.625%
HK$124,566
+HK$6,237/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$236,658/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,744
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,780
−HK$4,100/mo
Today · 4.125%
HK$137,880
baseline
▲ 0.50% · 4.625%
HK$146,270
+HK$8,390/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$275,760/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,339
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$148,210
−HK$3,927/mo
Today · 4.125%
HK$152,137
baseline
▲ 0.50% · 4.625%
HK$160,156
+HK$8,019/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$304,274/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,446 · Scale 2, in force from 26 Feb 2026)