LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,522
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,747
−HK$2,260/mo
Today · 4.125%
HK$76,007
baseline
▲ 0.50% · 4.625%
HK$80,632
+HK$4,625/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$152,014/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,568
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,702
−HK$2,165/mo
Today · 4.125%
HK$83,867
baseline
▲ 0.50% · 4.625%
HK$88,287
+HK$4,420/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,734/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,827
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,496
−HK$2,713/mo
Today · 4.125%
HK$91,209
baseline
▲ 0.50% · 4.625%
HK$96,759
+HK$5,550/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,418/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,481
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,042
−HK$2,598/mo
Today · 4.125%
HK$100,640
baseline
▲ 0.50% · 4.625%
HK$105,945
+HK$5,305/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,280/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,131
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,246
−HK$3,164/mo
Today · 4.125%
HK$106,410
baseline
▲ 0.50% · 4.625%
HK$112,885
+HK$6,475/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,820/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,395
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,382
−HK$3,031/mo
Today · 4.125%
HK$117,413
baseline
▲ 0.50% · 4.625%
HK$123,602
+HK$6,189/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,826/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,740
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$132,745
−HK$4,068/mo
Today · 4.125%
HK$136,813
baseline
▲ 0.50% · 4.625%
HK$145,138
+HK$8,325/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$273,626/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,222
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$147,063
−HK$3,897/mo
Today · 4.125%
HK$150,960
baseline
▲ 0.50% · 4.625%
HK$158,917
+HK$7,957/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$301,920/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,050 · Scale 2, in force from 26 Feb 2026)