LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,373
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,593
−HK$2,256/mo
Today · 4.125%
HK$75,849
baseline
▲ 0.50% · 4.625%
HK$80,464
+HK$4,615/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,698/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,402
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,531
−HK$2,161/mo
Today · 4.125%
HK$83,692
baseline
▲ 0.50% · 4.625%
HK$88,103
+HK$4,411/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,384/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,648
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,312
−HK$2,707/mo
Today · 4.125%
HK$91,019
baseline
▲ 0.50% · 4.625%
HK$96,557
+HK$5,538/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,038/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,282
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,838
−HK$2,592/mo
Today · 4.125%
HK$100,430
baseline
▲ 0.50% · 4.625%
HK$105,724
+HK$5,294/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,860/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,922
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,030
−HK$3,158/mo
Today · 4.125%
HK$106,188
baseline
▲ 0.50% · 4.625%
HK$112,650
+HK$6,462/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,376/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,163
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,144
−HK$3,024/mo
Today · 4.125%
HK$117,168
baseline
▲ 0.50% · 4.625%
HK$123,344
+HK$6,176/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,336/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,471
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,468
−HK$4,060/mo
Today · 4.125%
HK$136,528
baseline
▲ 0.50% · 4.625%
HK$144,835
+HK$8,307/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,056/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,923
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,756
−HK$3,889/mo
Today · 4.125%
HK$150,645
baseline
▲ 0.50% · 4.625%
HK$158,586
+HK$7,941/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,290/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,270 · Scale 2, in force from 26 Feb 2026)