LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,520
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,745
−HK$2,260/mo
Today · 4.125%
HK$76,005
baseline
▲ 0.50% · 4.625%
HK$80,630
+HK$4,625/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$152,010/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,566
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,700
−HK$2,164/mo
Today · 4.125%
HK$83,864
baseline
▲ 0.50% · 4.625%
HK$88,285
+HK$4,421/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,728/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,825
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,494
−HK$2,712/mo
Today · 4.125%
HK$91,206
baseline
▲ 0.50% · 4.625%
HK$96,756
+HK$5,550/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,412/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,479
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,040
−HK$2,597/mo
Today · 4.125%
HK$100,637
baseline
▲ 0.50% · 4.625%
HK$105,942
+HK$5,305/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,274/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,129
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,243
−HK$3,165/mo
Today · 4.125%
HK$106,408
baseline
▲ 0.50% · 4.625%
HK$112,882
+HK$6,474/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,816/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,392
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,380
−HK$3,030/mo
Today · 4.125%
HK$117,410
baseline
▲ 0.50% · 4.625%
HK$123,599
+HK$6,189/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,820/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,737
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$132,741
−HK$4,069/mo
Today · 4.125%
HK$136,810
baseline
▲ 0.50% · 4.625%
HK$145,134
+HK$8,324/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$273,620/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,218
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$147,059
−HK$3,897/mo
Today · 4.125%
HK$150,956
baseline
▲ 0.50% · 4.625%
HK$158,913
+HK$7,957/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$301,912/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,017 · Scale 2, in force from 26 Feb 2026)