LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,117
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,360
−HK$2,280/mo
Today · 4.125%
HK$76,640
baseline
▲ 0.50% · 4.625%
HK$81,303
+HK$4,663/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,280/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,230
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,381
−HK$2,183/mo
Today · 4.125%
HK$84,564
baseline
▲ 0.50% · 4.625%
HK$89,022
+HK$4,458/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,128/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,541
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,232
−HK$2,735/mo
Today · 4.125%
HK$91,967
baseline
▲ 0.50% · 4.625%
HK$97,563
+HK$5,596/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,934/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,276
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,858
−HK$2,619/mo
Today · 4.125%
HK$101,477
baseline
▲ 0.50% · 4.625%
HK$106,826
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,954/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,964
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,105
−HK$3,190/mo
Today · 4.125%
HK$107,295
baseline
▲ 0.50% · 4.625%
HK$113,824
+HK$6,529/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,590/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,321
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,334
−HK$3,056/mo
Today · 4.125%
HK$118,390
baseline
▲ 0.50% · 4.625%
HK$124,630
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,780/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,811
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,849
−HK$4,102/mo
Today · 4.125%
HK$137,951
baseline
▲ 0.50% · 4.625%
HK$146,345
+HK$8,394/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,902/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,413
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,286
−HK$3,930/mo
Today · 4.125%
HK$152,216
baseline
▲ 0.50% · 4.625%
HK$160,239
+HK$8,023/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,432/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,138 · Scale 2, in force from 26 Feb 2026)