LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,481
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,704
−HK$2,259/mo
Today · 4.125%
HK$75,963
baseline
▲ 0.50% · 4.625%
HK$80,585
+HK$4,622/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,926/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,522
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,654
−HK$2,164/mo
Today · 4.125%
HK$83,818
baseline
▲ 0.50% · 4.625%
HK$88,236
+HK$4,418/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,636/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,777
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,445
−HK$2,711/mo
Today · 4.125%
HK$91,156
baseline
▲ 0.50% · 4.625%
HK$96,703
+HK$5,547/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,312/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,426
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,985
−HK$2,597/mo
Today · 4.125%
HK$100,582
baseline
▲ 0.50% · 4.625%
HK$105,883
+HK$5,301/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,164/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,073
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,186
−HK$3,163/mo
Today · 4.125%
HK$106,349
baseline
▲ 0.50% · 4.625%
HK$112,820
+HK$6,471/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,698/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,330
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,316
−HK$3,029/mo
Today · 4.125%
HK$117,345
baseline
▲ 0.50% · 4.625%
HK$123,531
+HK$6,186/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,690/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,665
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$132,668
−HK$4,066/mo
Today · 4.125%
HK$136,734
baseline
▲ 0.50% · 4.625%
HK$145,054
+HK$8,320/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,468/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,139
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,978
−HK$3,894/mo
Today · 4.125%
HK$150,872
baseline
▲ 0.50% · 4.625%
HK$158,825
+HK$7,953/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,744/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,278 · Scale 2, in force from 26 Feb 2026)