LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,504
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,728
−HK$2,260/mo
Today · 4.125%
HK$75,988
baseline
▲ 0.50% · 4.625%
HK$80,612
+HK$4,624/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,976/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,547
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,681
−HK$2,164/mo
Today · 4.125%
HK$83,845
baseline
▲ 0.50% · 4.625%
HK$88,265
+HK$4,420/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,690/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,805
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,474
−HK$2,711/mo
Today · 4.125%
HK$91,185
baseline
▲ 0.50% · 4.625%
HK$96,734
+HK$5,549/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,370/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,457
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,017
−HK$2,597/mo
Today · 4.125%
HK$100,614
baseline
▲ 0.50% · 4.625%
HK$105,918
+HK$5,304/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,228/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,106
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,219
−HK$3,164/mo
Today · 4.125%
HK$106,383
baseline
▲ 0.50% · 4.625%
HK$112,856
+HK$6,473/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,766/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,366
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,353
−HK$3,030/mo
Today · 4.125%
HK$117,383
baseline
▲ 0.50% · 4.625%
HK$123,571
+HK$6,188/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,766/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,707
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$132,711
−HK$4,067/mo
Today · 4.125%
HK$136,778
baseline
▲ 0.50% · 4.625%
HK$145,101
+HK$8,323/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,556/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,185
−HK$7,736/mo
▼ 0.25% · 3.875%
HK$147,026
−HK$3,895/mo
Today · 4.125%
HK$150,921
baseline
▲ 0.50% · 4.625%
HK$158,876
+HK$7,955/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,842/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,709 · Scale 2, in force from 26 Feb 2026)