LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,100
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,343
−HK$2,279/mo
Today · 4.125%
HK$76,622
baseline
▲ 0.50% · 4.625%
HK$81,284
+HK$4,662/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,244/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,211
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,362
−HK$2,183/mo
Today · 4.125%
HK$84,545
baseline
▲ 0.50% · 4.625%
HK$89,001
+HK$4,456/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,090/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,521
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,212
−HK$2,734/mo
Today · 4.125%
HK$91,946
baseline
▲ 0.50% · 4.625%
HK$97,541
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,892/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,253
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,835
−HK$2,618/mo
Today · 4.125%
HK$101,453
baseline
▲ 0.50% · 4.625%
HK$106,801
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,906/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,941
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,080
−HK$3,190/mo
Today · 4.125%
HK$107,270
baseline
▲ 0.50% · 4.625%
HK$113,798
+HK$6,528/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$214,540/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,295
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,307
−HK$3,055/mo
Today · 4.125%
HK$118,362
baseline
▲ 0.50% · 4.625%
HK$124,601
+HK$6,239/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,724/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,781
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,818
−HK$4,101/mo
Today · 4.125%
HK$137,919
baseline
▲ 0.50% · 4.625%
HK$146,311
+HK$8,392/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,838/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,380
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$148,252
−HK$3,928/mo
Today · 4.125%
HK$152,180
baseline
▲ 0.50% · 4.625%
HK$160,202
+HK$8,022/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,360/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,827 · Scale 2, in force from 26 Feb 2026)