LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,108
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,351
−HK$2,279/mo
Today · 4.125%
HK$76,630
baseline
▲ 0.50% · 4.625%
HK$81,293
+HK$4,663/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,260/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,220
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,371
−HK$2,183/mo
Today · 4.125%
HK$84,554
baseline
▲ 0.50% · 4.625%
HK$89,011
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,108/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,530
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,221
−HK$2,735/mo
Today · 4.125%
HK$91,956
baseline
▲ 0.50% · 4.625%
HK$97,551
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,912/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,264
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,845
−HK$2,619/mo
Today · 4.125%
HK$101,464
baseline
▲ 0.50% · 4.625%
HK$106,813
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,928/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,951
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,092
−HK$3,190/mo
Today · 4.125%
HK$107,282
baseline
▲ 0.50% · 4.625%
HK$113,810
+HK$6,528/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,564/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,307
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,319
−HK$3,056/mo
Today · 4.125%
HK$118,375
baseline
▲ 0.50% · 4.625%
HK$124,615
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,750/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,795
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,832
−HK$4,102/mo
Today · 4.125%
HK$137,934
baseline
▲ 0.50% · 4.625%
HK$146,327
+HK$8,393/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,868/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,395
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,268
−HK$3,929/mo
Today · 4.125%
HK$152,197
baseline
▲ 0.50% · 4.625%
HK$160,219
+HK$8,022/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,394/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,971 · Scale 2, in force from 26 Feb 2026)