LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,096
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,339
−HK$2,278/mo
Today · 4.125%
HK$76,617
baseline
▲ 0.50% · 4.625%
HK$81,279
+HK$4,662/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,234/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,206
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,357
−HK$2,182/mo
Today · 4.125%
HK$84,539
baseline
▲ 0.50% · 4.625%
HK$88,995
+HK$4,456/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,078/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,515
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,206
−HK$2,734/mo
Today · 4.125%
HK$91,940
baseline
▲ 0.50% · 4.625%
HK$97,535
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,880/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,247
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,829
−HK$2,618/mo
Today · 4.125%
HK$101,447
baseline
▲ 0.50% · 4.625%
HK$106,795
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,894/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,934
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,074
−HK$3,190/mo
Today · 4.125%
HK$107,264
baseline
▲ 0.50% · 4.625%
HK$113,791
+HK$6,527/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$214,528/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,288
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,300
−HK$3,055/mo
Today · 4.125%
HK$118,355
baseline
▲ 0.50% · 4.625%
HK$124,594
+HK$6,239/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,710/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,773
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,809
−HK$4,102/mo
Today · 4.125%
HK$137,911
baseline
▲ 0.50% · 4.625%
HK$146,302
+HK$8,391/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,822/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,371
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$148,243
−HK$3,928/mo
Today · 4.125%
HK$152,171
baseline
▲ 0.50% · 4.625%
HK$160,192
+HK$8,021/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,342/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,743 · Scale 2, in force from 26 Feb 2026)