LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,440
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,662
−HK$2,257/mo
Today · 4.125%
HK$75,919
baseline
▲ 0.50% · 4.625%
HK$80,539
+HK$4,620/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,838/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,476
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,607
−HK$2,163/mo
Today · 4.125%
HK$83,770
baseline
▲ 0.50% · 4.625%
HK$88,185
+HK$4,415/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,540/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,728
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,394
−HK$2,709/mo
Today · 4.125%
HK$91,103
baseline
▲ 0.50% · 4.625%
HK$96,647
+HK$5,544/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,206/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,371
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,929
−HK$2,595/mo
Today · 4.125%
HK$100,524
baseline
▲ 0.50% · 4.625%
HK$105,822
+HK$5,298/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,048/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,015
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,126
−HK$3,161/mo
Today · 4.125%
HK$106,287
baseline
▲ 0.50% · 4.625%
HK$112,755
+HK$6,468/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,574/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,266
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,250
−HK$3,028/mo
Today · 4.125%
HK$117,278
baseline
▲ 0.50% · 4.625%
HK$123,459
+HK$6,181/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,556/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,591
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,591
−HK$4,064/mo
Today · 4.125%
HK$136,655
baseline
▲ 0.50% · 4.625%
HK$144,970
+HK$8,315/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,310/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,056
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,893
−HK$3,892/mo
Today · 4.125%
HK$150,785
baseline
▲ 0.50% · 4.625%
HK$158,733
+HK$7,948/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,570/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,510 · Scale 2, in force from 26 Feb 2026)