LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,500
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,724
−HK$2,260/mo
Today · 4.125%
HK$75,984
baseline
▲ 0.50% · 4.625%
HK$80,607
+HK$4,623/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,968/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,543
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,677
−HK$2,164/mo
Today · 4.125%
HK$83,841
baseline
▲ 0.50% · 4.625%
HK$88,260
+HK$4,419/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,682/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,800
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,469
−HK$2,712/mo
Today · 4.125%
HK$91,181
baseline
▲ 0.50% · 4.625%
HK$96,729
+HK$5,548/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,362/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,452
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,012
−HK$2,597/mo
Today · 4.125%
HK$100,609
baseline
▲ 0.50% · 4.625%
HK$105,912
+HK$5,303/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,218/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,100
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,214
−HK$3,163/mo
Today · 4.125%
HK$106,377
baseline
▲ 0.50% · 4.625%
HK$112,850
+HK$6,473/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,754/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,361
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,347
−HK$3,030/mo
Today · 4.125%
HK$117,377
baseline
▲ 0.50% · 4.625%
HK$123,564
+HK$6,187/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,754/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,700
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$132,704
−HK$4,067/mo
Today · 4.125%
HK$136,771
baseline
▲ 0.50% · 4.625%
HK$145,093
+HK$8,322/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,542/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,178
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$147,018
−HK$3,895/mo
Today · 4.125%
HK$150,913
baseline
▲ 0.50% · 4.625%
HK$158,868
+HK$7,955/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,826/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,639 · Scale 2, in force from 26 Feb 2026)