LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,557
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,783
−HK$2,262/mo
Today · 4.125%
HK$76,045
baseline
▲ 0.50% · 4.625%
HK$80,672
+HK$4,627/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,090/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,607
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,742
−HK$2,166/mo
Today · 4.125%
HK$83,908
baseline
▲ 0.50% · 4.625%
HK$88,331
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,816/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,869
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,540
−HK$2,714/mo
Today · 4.125%
HK$91,254
baseline
▲ 0.50% · 4.625%
HK$96,806
+HK$5,552/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,508/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,528
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,090
−HK$2,599/mo
Today · 4.125%
HK$100,689
baseline
▲ 0.50% · 4.625%
HK$105,997
+HK$5,308/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,378/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,180
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,297
−HK$3,166/mo
Today · 4.125%
HK$106,463
baseline
▲ 0.50% · 4.625%
HK$112,941
+HK$6,478/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$212,926/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,450
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,439
−HK$3,032/mo
Today · 4.125%
HK$117,471
baseline
▲ 0.50% · 4.625%
HK$123,663
+HK$6,192/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$234,942/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,803
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,810
−HK$4,071/mo
Today · 4.125%
HK$136,881
baseline
▲ 0.50% · 4.625%
HK$145,209
+HK$8,328/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,762/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,292
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,136
−HK$3,898/mo
Today · 4.125%
HK$151,034
baseline
▲ 0.50% · 4.625%
HK$158,995
+HK$7,961/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$302,068/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,706 · Scale 2, in force from 26 Feb 2026)