LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,133
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,377
−HK$2,280/mo
Today · 4.125%
HK$76,657
baseline
▲ 0.50% · 4.625%
HK$81,321
+HK$4,664/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,314/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,247
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,400
−HK$2,183/mo
Today · 4.125%
HK$84,583
baseline
▲ 0.50% · 4.625%
HK$89,041
+HK$4,458/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,166/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,560
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,252
−HK$2,736/mo
Today · 4.125%
HK$91,988
baseline
▲ 0.50% · 4.625%
HK$97,585
+HK$5,597/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,976/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,297
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,880
−HK$2,620/mo
Today · 4.125%
HK$101,500
baseline
▲ 0.50% · 4.625%
HK$106,850
+HK$5,350/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$203,000/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,986
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,128
−HK$3,191/mo
Today · 4.125%
HK$107,319
baseline
▲ 0.50% · 4.625%
HK$113,849
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,638/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,346
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,359
−HK$3,057/mo
Today · 4.125%
HK$118,416
baseline
▲ 0.50% · 4.625%
HK$124,658
+HK$6,242/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,832/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,840
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,878
−HK$4,104/mo
Today · 4.125%
HK$137,982
baseline
▲ 0.50% · 4.625%
HK$146,378
+HK$8,396/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,964/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,445
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,319
−HK$3,930/mo
Today · 4.125%
HK$152,249
baseline
▲ 0.50% · 4.625%
HK$160,275
+HK$8,026/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,498/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,437 · Scale 2, in force from 26 Feb 2026)