LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,496
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,720
−HK$2,260/mo
Today · 4.125%
HK$75,980
baseline
▲ 0.50% · 4.625%
HK$80,603
+HK$4,623/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,960/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,539
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,672
−HK$2,164/mo
Today · 4.125%
HK$83,836
baseline
▲ 0.50% · 4.625%
HK$88,255
+HK$4,419/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,672/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,795
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,464
−HK$2,711/mo
Today · 4.125%
HK$91,175
baseline
▲ 0.50% · 4.625%
HK$96,723
+HK$5,548/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,350/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,446
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,006
−HK$2,597/mo
Today · 4.125%
HK$100,603
baseline
▲ 0.50% · 4.625%
HK$105,906
+HK$5,303/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,206/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,095
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,208
−HK$3,163/mo
Today · 4.125%
HK$106,371
baseline
▲ 0.50% · 4.625%
HK$112,844
+HK$6,473/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,742/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,354
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,341
−HK$3,029/mo
Today · 4.125%
HK$117,370
baseline
▲ 0.50% · 4.625%
HK$123,557
+HK$6,187/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,740/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,693
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,696
−HK$4,067/mo
Today · 4.125%
HK$136,763
baseline
▲ 0.50% · 4.625%
HK$145,085
+HK$8,322/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,526/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,170
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$147,009
−HK$3,896/mo
Today · 4.125%
HK$150,905
baseline
▲ 0.50% · 4.625%
HK$158,859
+HK$7,954/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,810/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,563 · Scale 2, in force from 26 Feb 2026)