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$1,343,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,206
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,357
−HK$2,183/mo
Today · 4.125%
HK$84,540
baseline
▲ 0.50% · 4.625%
HK$88,996
+HK$4,456/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,080/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,516
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,207
−HK$2,734/mo
Today · 4.125%
HK$91,941
baseline
▲ 0.50% · 4.625%
HK$97,535
+HK$5,594/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,882/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,248
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,829
−HK$2,619/mo
Today · 4.125%
HK$101,448
baseline
▲ 0.50% · 4.625%
HK$106,795
+HK$5,347/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,896/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,935
−HK$6,329/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$1,343,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,289
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,300
−HK$3,056/mo
Today · 4.125%
HK$118,356
baseline
▲ 0.50% · 4.625%
HK$124,594
+HK$6,238/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,712/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,773
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,810
−HK$4,101/mo
Today · 4.125%
HK$137,911
baseline
▲ 0.50% · 4.625%
HK$146,303
+HK$8,392/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$1,343,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,372
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$148,243
−HK$3,928/mo
Today · 4.125%
HK$152,171
baseline
▲ 0.50% · 4.625%
HK$160,193
+HK$8,022/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$1,343,750 · Scale 2, in force from 26 Feb 2026)