LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,130
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,374
−HK$2,279/mo
Today · 4.125%
HK$76,653
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,665/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,306/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,244
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,396
−HK$2,184/mo
Today · 4.125%
HK$84,580
baseline
▲ 0.50% · 4.625%
HK$89,038
+HK$4,458/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,160/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,556
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,249
−HK$2,735/mo
Today · 4.125%
HK$91,984
baseline
▲ 0.50% · 4.625%
HK$97,581
+HK$5,597/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,968/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,293
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,876
−HK$2,619/mo
Today · 4.125%
HK$101,495
baseline
▲ 0.50% · 4.625%
HK$106,845
+HK$5,350/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,990/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,982
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,124
−HK$3,191/mo
Today · 4.125%
HK$107,315
baseline
▲ 0.50% · 4.625%
HK$113,845
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,630/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,342
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,355
−HK$3,056/mo
Today · 4.125%
HK$118,411
baseline
▲ 0.50% · 4.625%
HK$124,653
+HK$6,242/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,822/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,835
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,873
−HK$4,103/mo
Today · 4.125%
HK$137,976
baseline
▲ 0.50% · 4.625%
HK$146,372
+HK$8,396/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,952/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,440
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,313
−HK$3,930/mo
Today · 4.125%
HK$152,243
baseline
▲ 0.50% · 4.625%
HK$160,268
+HK$8,025/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,486/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,383 · Scale 2, in force from 26 Feb 2026)