LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,321
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,539
−HK$2,254/mo
Today · 4.125%
HK$75,793
baseline
▲ 0.50% · 4.625%
HK$80,405
+HK$4,612/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,586/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,344
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,472
−HK$2,158/mo
Today · 4.125%
HK$83,630
baseline
▲ 0.50% · 4.625%
HK$88,039
+HK$4,409/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,260/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,585
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,247
−HK$2,705/mo
Today · 4.125%
HK$90,952
baseline
▲ 0.50% · 4.625%
HK$96,486
+HK$5,534/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,904/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,213
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,766
−HK$2,591/mo
Today · 4.125%
HK$100,357
baseline
▲ 0.50% · 4.625%
HK$105,647
+HK$5,290/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,714/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,849
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,955
−HK$3,156/mo
Today · 4.125%
HK$106,111
baseline
▲ 0.50% · 4.625%
HK$112,567
+HK$6,456/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,222/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,081
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,060
−HK$3,023/mo
Today · 4.125%
HK$117,083
baseline
▲ 0.50% · 4.625%
HK$123,254
+HK$6,171/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,166/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,378
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,371
−HK$4,057/mo
Today · 4.125%
HK$136,428
baseline
▲ 0.50% · 4.625%
HK$144,729
+HK$8,301/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$272,856/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,819
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,649
−HK$3,886/mo
Today · 4.125%
HK$150,535
baseline
▲ 0.50% · 4.625%
HK$158,470
+HK$7,935/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$301,070/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,297 · Scale 2, in force from 26 Feb 2026)