LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,478
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,702
−HK$2,258/mo
Today · 4.125%
HK$75,960
baseline
▲ 0.50% · 4.625%
HK$80,582
+HK$4,622/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,920/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,519
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,651
−HK$2,164/mo
Today · 4.125%
HK$83,815
baseline
▲ 0.50% · 4.625%
HK$88,233
+HK$4,418/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,630/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,774
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,442
−HK$2,711/mo
Today · 4.125%
HK$91,153
baseline
▲ 0.50% · 4.625%
HK$96,699
+HK$5,546/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,306/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,422
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,982
−HK$2,596/mo
Today · 4.125%
HK$100,578
baseline
▲ 0.50% · 4.625%
HK$105,879
+HK$5,301/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,156/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,069
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,182
−HK$3,163/mo
Today · 4.125%
HK$106,345
baseline
▲ 0.50% · 4.625%
HK$112,815
+HK$6,470/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,690/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,326
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,312
−HK$3,029/mo
Today · 4.125%
HK$117,341
baseline
▲ 0.50% · 4.625%
HK$123,526
+HK$6,185/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,682/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,661
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$132,663
−HK$4,066/mo
Today · 4.125%
HK$136,729
baseline
▲ 0.50% · 4.625%
HK$145,048
+HK$8,319/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,458/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,134
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,972
−HK$3,895/mo
Today · 4.125%
HK$150,867
baseline
▲ 0.50% · 4.625%
HK$158,819
+HK$7,952/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,734/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,228 · Scale 2, in force from 26 Feb 2026)