LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,323
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,541
−HK$2,254/mo
Today · 4.125%
HK$75,795
baseline
▲ 0.50% · 4.625%
HK$80,407
+HK$4,612/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,590/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,346
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,474
−HK$2,159/mo
Today · 4.125%
HK$83,633
baseline
▲ 0.50% · 4.625%
HK$88,041
+HK$4,408/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,266/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,587
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,250
−HK$2,705/mo
Today · 4.125%
HK$90,955
baseline
▲ 0.50% · 4.625%
HK$96,489
+HK$5,534/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,910/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,215
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,769
−HK$2,590/mo
Today · 4.125%
HK$100,359
baseline
▲ 0.50% · 4.625%
HK$105,649
+HK$5,290/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,718/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,852
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,958
−HK$3,156/mo
Today · 4.125%
HK$106,114
baseline
▲ 0.50% · 4.625%
HK$112,570
+HK$6,456/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,228/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,084
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,064
−HK$3,022/mo
Today · 4.125%
HK$117,086
baseline
▲ 0.50% · 4.625%
HK$123,258
+HK$6,172/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,172/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,381
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$132,375
−HK$4,057/mo
Today · 4.125%
HK$136,432
baseline
▲ 0.50% · 4.625%
HK$144,733
+HK$8,301/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$272,864/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,823
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,653
−HK$3,886/mo
Today · 4.125%
HK$150,539
baseline
▲ 0.50% · 4.625%
HK$158,474
+HK$7,935/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$301,078/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,334 · Scale 2, in force from 26 Feb 2026)