LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,414
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,636
−HK$2,256/mo
Today · 4.125%
HK$75,892
baseline
▲ 0.50% · 4.625%
HK$80,510
+HK$4,618/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,784/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,448
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,578
−HK$2,162/mo
Today · 4.125%
HK$83,740
baseline
▲ 0.50% · 4.625%
HK$88,154
+HK$4,414/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,480/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,697
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,363
−HK$2,708/mo
Today · 4.125%
HK$91,071
baseline
▲ 0.50% · 4.625%
HK$96,612
+HK$5,541/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,142/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,337
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,894
−HK$2,594/mo
Today · 4.125%
HK$100,488
baseline
▲ 0.50% · 4.625%
HK$105,785
+HK$5,297/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,976/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,980
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,090
−HK$3,159/mo
Today · 4.125%
HK$106,249
baseline
▲ 0.50% · 4.625%
HK$112,714
+HK$6,465/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$212,498/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,227
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,210
−HK$3,026/mo
Today · 4.125%
HK$117,236
baseline
▲ 0.50% · 4.625%
HK$123,415
+HK$6,179/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$234,472/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,546
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$132,544
−HK$4,062/mo
Today · 4.125%
HK$136,606
baseline
▲ 0.50% · 4.625%
HK$144,919
+HK$8,313/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,212/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,006
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,841
−HK$3,891/mo
Today · 4.125%
HK$150,732
baseline
▲ 0.50% · 4.625%
HK$158,677
+HK$7,945/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,464/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,036 · Scale 2, in force from 26 Feb 2026)