LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,507
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,731
−HK$2,260/mo
Today · 4.125%
HK$75,991
baseline
▲ 0.50% · 4.625%
HK$80,615
+HK$4,624/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,982/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,551
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,684
−HK$2,164/mo
Today · 4.125%
HK$83,848
baseline
▲ 0.50% · 4.625%
HK$88,268
+HK$4,420/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,696/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,808
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,477
−HK$2,712/mo
Today · 4.125%
HK$91,189
baseline
▲ 0.50% · 4.625%
HK$96,738
+HK$5,549/mo
Deposit HK$12.54M · loan HK$18.82M · min. income ≈ HK$182,378/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,461
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,021
−HK$2,597/mo
Today · 4.125%
HK$100,618
baseline
▲ 0.50% · 4.625%
HK$105,922
+HK$5,304/mo
Deposit HK$12.54M · loan HK$18.82M · min. income ≈ HK$201,236/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,109
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,223
−HK$3,164/mo
Today · 4.125%
HK$106,387
baseline
▲ 0.50% · 4.625%
HK$112,861
+HK$6,474/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,774/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,371
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,358
−HK$3,030/mo
Today · 4.125%
HK$117,388
baseline
▲ 0.50% · 4.625%
HK$123,576
+HK$6,188/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,776/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,712
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,716
−HK$4,068/mo
Today · 4.125%
HK$136,784
baseline
▲ 0.50% · 4.625%
HK$145,107
+HK$8,323/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,568/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,191
−HK$7,736/mo
▼ 0.25% · 3.875%
HK$147,031
−HK$3,896/mo
Today · 4.125%
HK$150,927
baseline
▲ 0.50% · 4.625%
HK$158,883
+HK$7,956/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,854/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,762 · Scale 2, in force from 26 Feb 2026)