LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,435
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$2,257/mo
Today · 4.125%
HK$75,914
baseline
▲ 0.50% · 4.625%
HK$80,534
+HK$4,620/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,828/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,471
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,602
−HK$2,162/mo
Today · 4.125%
HK$83,764
baseline
▲ 0.50% · 4.625%
HK$88,179
+HK$4,415/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,528/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,722
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,388
−HK$2,709/mo
Today · 4.125%
HK$91,097
baseline
▲ 0.50% · 4.625%
HK$96,640
+HK$5,543/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,194/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,365
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,922
−HK$2,595/mo
Today · 4.125%
HK$100,517
baseline
▲ 0.50% · 4.625%
HK$105,815
+HK$5,298/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,034/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,009
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,120
−HK$3,160/mo
Today · 4.125%
HK$106,280
baseline
▲ 0.50% · 4.625%
HK$112,747
+HK$6,467/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,560/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,259
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,243
−HK$3,027/mo
Today · 4.125%
HK$117,270
baseline
▲ 0.50% · 4.625%
HK$123,451
+HK$6,181/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,540/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,583
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$132,582
−HK$4,064/mo
Today · 4.125%
HK$136,646
baseline
▲ 0.50% · 4.625%
HK$144,960
+HK$8,314/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,292/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,047
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$146,883
−HK$3,892/mo
Today · 4.125%
HK$150,775
baseline
▲ 0.50% · 4.625%
HK$158,723
+HK$7,948/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,550/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,421 · Scale 2, in force from 26 Feb 2026)