LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,105
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,348
−HK$2,279/mo
Today · 4.125%
HK$76,627
baseline
▲ 0.50% · 4.625%
HK$81,290
+HK$4,663/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,254/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,216
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,368
−HK$2,182/mo
Today · 4.125%
HK$84,550
baseline
▲ 0.50% · 4.625%
HK$89,007
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,100/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,526
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,218
−HK$2,734/mo
Today · 4.125%
HK$91,952
baseline
▲ 0.50% · 4.625%
HK$97,547
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,904/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,260
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,841
−HK$2,619/mo
Today · 4.125%
HK$101,460
baseline
▲ 0.50% · 4.625%
HK$106,808
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,920/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,947
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,088
−HK$3,190/mo
Today · 4.125%
HK$107,278
baseline
▲ 0.50% · 4.625%
HK$113,805
+HK$6,527/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,556/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,303
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,315
−HK$3,055/mo
Today · 4.125%
HK$118,370
baseline
▲ 0.50% · 4.625%
HK$124,610
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,740/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,790
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,827
−HK$4,102/mo
Today · 4.125%
HK$137,929
baseline
▲ 0.50% · 4.625%
HK$146,321
+HK$8,392/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,858/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,390
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,262
−HK$3,929/mo
Today · 4.125%
HK$152,191
baseline
▲ 0.50% · 4.625%
HK$160,213
+HK$8,022/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,382/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,918 · Scale 2, in force from 26 Feb 2026)