LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,495
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,719
−HK$2,259/mo
Today · 4.125%
HK$75,978
baseline
▲ 0.50% · 4.625%
HK$80,601
+HK$4,623/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,956/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,537
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,670
−HK$2,164/mo
Today · 4.125%
HK$83,834
baseline
▲ 0.50% · 4.625%
HK$88,253
+HK$4,419/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,668/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,794
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,463
−HK$2,711/mo
Today · 4.125%
HK$91,174
baseline
▲ 0.50% · 4.625%
HK$96,722
+HK$5,548/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,348/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,445
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,005
−HK$2,596/mo
Today · 4.125%
HK$100,601
baseline
▲ 0.50% · 4.625%
HK$105,904
+HK$5,303/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,202/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,093
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,206
−HK$3,163/mo
Today · 4.125%
HK$106,369
baseline
▲ 0.50% · 4.625%
HK$112,842
+HK$6,473/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,738/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,352
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,339
−HK$3,029/mo
Today · 4.125%
HK$117,368
baseline
▲ 0.50% · 4.625%
HK$123,555
+HK$6,187/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,736/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,691
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,694
−HK$4,067/mo
Today · 4.125%
HK$136,761
baseline
▲ 0.50% · 4.625%
HK$145,082
+HK$8,321/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,522/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,167
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$147,007
−HK$3,895/mo
Today · 4.125%
HK$150,902
baseline
▲ 0.50% · 4.625%
HK$158,856
+HK$7,954/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,804/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,540 · Scale 2, in force from 26 Feb 2026)