LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,350
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,569
−HK$2,255/mo
Today · 4.125%
HK$75,824
baseline
▲ 0.50% · 4.625%
HK$80,437
+HK$4,613/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,648/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,376
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,504
−HK$2,160/mo
Today · 4.125%
HK$83,664
baseline
▲ 0.50% · 4.625%
HK$88,074
+HK$4,410/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,328/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,619
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,283
−HK$2,706/mo
Today · 4.125%
HK$90,989
baseline
▲ 0.50% · 4.625%
HK$96,525
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$181,978/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,251
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,805
−HK$2,592/mo
Today · 4.125%
HK$100,397
baseline
▲ 0.50% · 4.625%
HK$105,689
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$200,794/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,889
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,996
−HK$3,157/mo
Today · 4.125%
HK$106,153
baseline
▲ 0.50% · 4.625%
HK$112,612
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,306/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,126
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,106
−HK$3,024/mo
Today · 4.125%
HK$117,130
baseline
▲ 0.50% · 4.625%
HK$123,304
+HK$6,174/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,260/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,429
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,424
−HK$4,059/mo
Today · 4.125%
HK$136,483
baseline
▲ 0.50% · 4.625%
HK$144,787
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,966/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,876
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,708
−HK$3,887/mo
Today · 4.125%
HK$150,595
baseline
▲ 0.50% · 4.625%
HK$158,533
+HK$7,938/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,190/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,831 · Scale 2, in force from 26 Feb 2026)