LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,160
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,404
−HK$2,281/mo
Today · 4.125%
HK$76,685
baseline
▲ 0.50% · 4.625%
HK$81,351
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,370/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,277
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,430
−HK$2,184/mo
Today · 4.125%
HK$84,614
baseline
▲ 0.50% · 4.625%
HK$89,074
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,228/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,592
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,285
−HK$2,737/mo
Today · 4.125%
HK$92,022
baseline
▲ 0.50% · 4.625%
HK$97,621
+HK$5,599/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,044/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,332
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,916
−HK$2,621/mo
Today · 4.125%
HK$101,537
baseline
▲ 0.50% · 4.625%
HK$106,889
+HK$5,352/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,074/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,024
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,166
−HK$3,193/mo
Today · 4.125%
HK$107,359
baseline
▲ 0.50% · 4.625%
HK$113,891
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,718/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,388
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,402
−HK$3,058/mo
Today · 4.125%
HK$118,460
baseline
▲ 0.50% · 4.625%
HK$124,704
+HK$6,244/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,920/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,888
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,928
−HK$4,105/mo
Today · 4.125%
HK$138,033
baseline
▲ 0.50% · 4.625%
HK$146,432
+HK$8,399/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,066/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,499
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,374
−HK$3,931/mo
Today · 4.125%
HK$152,305
baseline
▲ 0.50% · 4.625%
HK$160,334
+HK$8,029/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,610/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,933 · Scale 2, in force from 26 Feb 2026)