LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,493
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,717
−HK$2,260/mo
Today · 4.125%
HK$75,977
baseline
▲ 0.50% · 4.625%
HK$80,600
+HK$4,623/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,954/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,536
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,669
−HK$2,164/mo
Today · 4.125%
HK$83,833
baseline
▲ 0.50% · 4.625%
HK$88,252
+HK$4,419/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,666/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,792
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,461
−HK$2,711/mo
Today · 4.125%
HK$91,172
baseline
▲ 0.50% · 4.625%
HK$96,719
+HK$5,547/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,344/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,443
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,002
−HK$2,597/mo
Today · 4.125%
HK$100,599
baseline
▲ 0.50% · 4.625%
HK$105,902
+HK$5,303/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,198/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,091
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,204
−HK$3,163/mo
Today · 4.125%
HK$106,367
baseline
▲ 0.50% · 4.625%
HK$112,839
+HK$6,472/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,734/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,350
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,336
−HK$3,030/mo
Today · 4.125%
HK$117,366
baseline
▲ 0.50% · 4.625%
HK$123,552
+HK$6,186/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,732/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,688
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,691
−HK$4,067/mo
Today · 4.125%
HK$136,758
baseline
▲ 0.50% · 4.625%
HK$145,079
+HK$8,321/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,516/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,164
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$147,004
−HK$3,895/mo
Today · 4.125%
HK$150,899
baseline
▲ 0.50% · 4.625%
HK$158,853
+HK$7,954/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,798/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,511 · Scale 2, in force from 26 Feb 2026)