LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,116
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,359
−HK$2,279/mo
Today · 4.125%
HK$76,638
baseline
▲ 0.50% · 4.625%
HK$81,302
+HK$4,664/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,276/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,228
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,380
−HK$2,183/mo
Today · 4.125%
HK$84,563
baseline
▲ 0.50% · 4.625%
HK$89,020
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,126/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,539
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,231
−HK$2,735/mo
Today · 4.125%
HK$91,966
baseline
▲ 0.50% · 4.625%
HK$97,562
+HK$5,596/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,932/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,274
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,856
−HK$2,619/mo
Today · 4.125%
HK$101,475
baseline
▲ 0.50% · 4.625%
HK$106,824
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,950/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,962
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,103
−HK$3,191/mo
Today · 4.125%
HK$107,294
baseline
▲ 0.50% · 4.625%
HK$113,822
+HK$6,528/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,588/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,320
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,332
−HK$3,056/mo
Today · 4.125%
HK$118,388
baseline
▲ 0.50% · 4.625%
HK$124,628
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,776/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,809
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,847
−HK$4,102/mo
Today · 4.125%
HK$137,949
baseline
▲ 0.50% · 4.625%
HK$146,343
+HK$8,394/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,898/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,411
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,284
−HK$3,929/mo
Today · 4.125%
HK$152,213
baseline
▲ 0.50% · 4.625%
HK$160,236
+HK$8,023/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,426/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,116 · Scale 2, in force from 26 Feb 2026)