LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,127
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,370
−HK$2,280/mo
Today · 4.125%
HK$76,650
baseline
▲ 0.50% · 4.625%
HK$81,314
+HK$4,664/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,300/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,240
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,392
−HK$2,183/mo
Today · 4.125%
HK$84,575
baseline
▲ 0.50% · 4.625%
HK$89,033
+HK$4,458/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,150/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,552
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,244
−HK$2,736/mo
Today · 4.125%
HK$91,980
baseline
▲ 0.50% · 4.625%
HK$97,576
+HK$5,596/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,960/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,288
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,871
−HK$2,619/mo
Today · 4.125%
HK$101,490
baseline
▲ 0.50% · 4.625%
HK$106,840
+HK$5,350/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,980/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,977
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,118
−HK$3,191/mo
Today · 4.125%
HK$107,309
baseline
▲ 0.50% · 4.625%
HK$113,839
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,618/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,336
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,349
−HK$3,056/mo
Today · 4.125%
HK$118,405
baseline
▲ 0.50% · 4.625%
HK$124,647
+HK$6,242/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,810/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,828
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,866
−HK$4,103/mo
Today · 4.125%
HK$137,969
baseline
▲ 0.50% · 4.625%
HK$146,364
+HK$8,395/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,938/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,432
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,306
−HK$3,930/mo
Today · 4.125%
HK$152,236
baseline
▲ 0.50% · 4.625%
HK$160,260
+HK$8,024/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,472/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,316 · Scale 2, in force from 26 Feb 2026)