LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,436
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,658
−HK$2,258/mo
Today · 4.125%
HK$75,916
baseline
▲ 0.50% · 4.625%
HK$80,535
+HK$4,619/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,832/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,472
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,604
−HK$2,162/mo
Today · 4.125%
HK$83,766
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$4,415/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,532/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,724
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,390
−HK$2,709/mo
Today · 4.125%
HK$91,099
baseline
▲ 0.50% · 4.625%
HK$96,642
+HK$5,543/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,198/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,367
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,924
−HK$2,595/mo
Today · 4.125%
HK$100,519
baseline
▲ 0.50% · 4.625%
HK$105,817
+HK$5,298/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,038/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,011
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,122
−HK$3,160/mo
Today · 4.125%
HK$106,282
baseline
▲ 0.50% · 4.625%
HK$112,749
+HK$6,467/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,564/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,261
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,245
−HK$3,027/mo
Today · 4.125%
HK$117,272
baseline
▲ 0.50% · 4.625%
HK$123,454
+HK$6,182/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,544/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,585
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,585
−HK$4,064/mo
Today · 4.125%
HK$136,649
baseline
▲ 0.50% · 4.625%
HK$144,964
+HK$8,315/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,298/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,050
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$146,886
−HK$3,892/mo
Today · 4.125%
HK$150,778
baseline
▲ 0.50% · 4.625%
HK$158,726
+HK$7,948/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,556/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,449 · Scale 2, in force from 26 Feb 2026)