LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,527
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,752
−HK$2,260/mo
Today · 4.125%
HK$76,012
baseline
▲ 0.50% · 4.625%
HK$80,637
+HK$4,625/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$152,024/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,573
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,707
−HK$2,165/mo
Today · 4.125%
HK$83,872
baseline
▲ 0.50% · 4.625%
HK$88,293
+HK$4,421/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,744/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,832
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,502
−HK$2,713/mo
Today · 4.125%
HK$91,215
baseline
▲ 0.50% · 4.625%
HK$96,765
+HK$5,550/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,430/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,487
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,048
−HK$2,598/mo
Today · 4.125%
HK$100,646
baseline
▲ 0.50% · 4.625%
HK$105,952
+HK$5,306/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,292/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,138
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,252
−HK$3,165/mo
Today · 4.125%
HK$106,417
baseline
▲ 0.50% · 4.625%
HK$112,892
+HK$6,475/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,834/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,402
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,390
−HK$3,031/mo
Today · 4.125%
HK$117,421
baseline
▲ 0.50% · 4.625%
HK$123,610
+HK$6,189/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,842/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,748
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$132,753
−HK$4,069/mo
Today · 4.125%
HK$136,822
baseline
▲ 0.50% · 4.625%
HK$145,147
+HK$8,325/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$273,644/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,231
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$147,073
−HK$3,897/mo
Today · 4.125%
HK$150,970
baseline
▲ 0.50% · 4.625%
HK$158,927
+HK$7,957/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$301,940/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,136 · Scale 2, in force from 26 Feb 2026)