LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,343
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,562
−HK$2,255/mo
Today · 4.125%
HK$75,817
baseline
▲ 0.50% · 4.625%
HK$80,430
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,634/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,368
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,497
−HK$2,159/mo
Today · 4.125%
HK$83,656
baseline
▲ 0.50% · 4.625%
HK$88,066
+HK$4,410/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,312/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,612
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,275
−HK$2,705/mo
Today · 4.125%
HK$90,980
baseline
▲ 0.50% · 4.625%
HK$96,516
+HK$5,536/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,960/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,242
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,796
−HK$2,592/mo
Today · 4.125%
HK$100,388
baseline
▲ 0.50% · 4.625%
HK$105,679
+HK$5,291/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,776/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,880
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,987
−HK$3,157/mo
Today · 4.125%
HK$106,144
baseline
▲ 0.50% · 4.625%
HK$112,602
+HK$6,458/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,288/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,116
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,096
−HK$3,023/mo
Today · 4.125%
HK$117,119
baseline
▲ 0.50% · 4.625%
HK$123,292
+HK$6,173/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,238/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,417
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,412
−HK$4,058/mo
Today · 4.125%
HK$136,470
baseline
▲ 0.50% · 4.625%
HK$144,774
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,940/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,863
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,695
−HK$3,886/mo
Today · 4.125%
HK$150,581
baseline
▲ 0.50% · 4.625%
HK$158,519
+HK$7,938/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,162/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,709 · Scale 2, in force from 26 Feb 2026)