LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,347
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,566
−HK$2,255/mo
Today · 4.125%
HK$75,821
baseline
▲ 0.50% · 4.625%
HK$80,434
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,642/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,372
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,501
−HK$2,160/mo
Today · 4.125%
HK$83,661
baseline
▲ 0.50% · 4.625%
HK$88,071
+HK$4,410/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,322/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,616
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,279
−HK$2,706/mo
Today · 4.125%
HK$90,985
baseline
▲ 0.50% · 4.625%
HK$96,521
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$181,970/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,247
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,801
−HK$2,592/mo
Today · 4.125%
HK$100,393
baseline
▲ 0.50% · 4.625%
HK$105,685
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$200,786/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,885
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,992
−HK$3,157/mo
Today · 4.125%
HK$106,149
baseline
▲ 0.50% · 4.625%
HK$112,608
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,298/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,121
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,102
−HK$3,023/mo
Today · 4.125%
HK$117,125
baseline
▲ 0.50% · 4.625%
HK$123,299
+HK$6,174/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,250/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,424
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,419
−HK$4,058/mo
Today · 4.125%
HK$136,477
baseline
▲ 0.50% · 4.625%
HK$144,782
+HK$8,305/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,954/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,870
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,702
−HK$3,887/mo
Today · 4.125%
HK$150,589
baseline
▲ 0.50% · 4.625%
HK$158,527
+HK$7,938/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,178/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,777 · Scale 2, in force from 26 Feb 2026)