LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,100
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,342
−HK$2,279/mo
Today · 4.125%
HK$76,621
baseline
▲ 0.50% · 4.625%
HK$81,283
+HK$4,662/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,242/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,210
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,361
−HK$2,183/mo
Today · 4.125%
HK$84,544
baseline
▲ 0.50% · 4.625%
HK$89,000
+HK$4,456/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,088/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,520
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,211
−HK$2,734/mo
Today · 4.125%
HK$91,945
baseline
▲ 0.50% · 4.625%
HK$97,540
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,890/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,252
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,834
−HK$2,618/mo
Today · 4.125%
HK$101,452
baseline
▲ 0.50% · 4.625%
HK$106,800
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,904/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,940
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,079
−HK$3,190/mo
Today · 4.125%
HK$107,269
baseline
▲ 0.50% · 4.625%
HK$113,797
+HK$6,528/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$214,538/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,294
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,306
−HK$3,055/mo
Today · 4.125%
HK$118,361
baseline
▲ 0.50% · 4.625%
HK$124,600
+HK$6,239/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,722/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,780
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,816
−HK$4,102/mo
Today · 4.125%
HK$137,918
baseline
▲ 0.50% · 4.625%
HK$146,310
+HK$8,392/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,836/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,378
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,251
−HK$3,928/mo
Today · 4.125%
HK$152,179
baseline
▲ 0.50% · 4.625%
HK$160,200
+HK$8,021/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,358/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,814 · Scale 2, in force from 26 Feb 2026)