LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,486
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,710
−HK$2,259/mo
Today · 4.125%
HK$75,969
baseline
▲ 0.50% · 4.625%
HK$80,591
+HK$4,622/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,938/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,527
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,660
−HK$2,164/mo
Today · 4.125%
HK$83,824
baseline
▲ 0.50% · 4.625%
HK$88,243
+HK$4,419/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,648/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,783
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,451
−HK$2,712/mo
Today · 4.125%
HK$91,163
baseline
▲ 0.50% · 4.625%
HK$96,710
+HK$5,547/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,326/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,433
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,992
−HK$2,597/mo
Today · 4.125%
HK$100,589
baseline
▲ 0.50% · 4.625%
HK$105,891
+HK$5,302/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,178/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,080
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,193
−HK$3,163/mo
Today · 4.125%
HK$106,356
baseline
▲ 0.50% · 4.625%
HK$112,828
+HK$6,472/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,712/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,338
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,324
−HK$3,030/mo
Today · 4.125%
HK$117,354
baseline
▲ 0.50% · 4.625%
HK$123,540
+HK$6,186/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,708/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,675
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$132,677
−HK$4,067/mo
Today · 4.125%
HK$136,744
baseline
▲ 0.50% · 4.625%
HK$145,064
+HK$8,320/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,488/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,149
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$146,989
−HK$3,894/mo
Today · 4.125%
HK$150,883
baseline
▲ 0.50% · 4.625%
HK$158,837
+HK$7,954/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,766/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,374 · Scale 2, in force from 26 Feb 2026)