LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,558
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,784
−HK$2,262/mo
Today · 4.125%
HK$76,046
baseline
▲ 0.50% · 4.625%
HK$80,673
+HK$4,627/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,092/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,608
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,743
−HK$2,166/mo
Today · 4.125%
HK$83,909
baseline
▲ 0.50% · 4.625%
HK$88,332
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,818/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,870
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,541
−HK$2,714/mo
Today · 4.125%
HK$91,255
baseline
▲ 0.50% · 4.625%
HK$96,808
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,510/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,530
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,092
−HK$2,599/mo
Today · 4.125%
HK$100,691
baseline
▲ 0.50% · 4.625%
HK$105,998
+HK$5,307/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,382/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,182
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,298
−HK$3,166/mo
Today · 4.125%
HK$106,464
baseline
▲ 0.50% · 4.625%
HK$112,942
+HK$6,478/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$212,928/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,451
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,440
−HK$3,033/mo
Today · 4.125%
HK$117,473
baseline
▲ 0.50% · 4.625%
HK$123,665
+HK$6,192/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$234,946/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,805
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,812
−HK$4,070/mo
Today · 4.125%
HK$136,882
baseline
▲ 0.50% · 4.625%
HK$145,211
+HK$8,329/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,764/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,294
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,137
−HK$3,899/mo
Today · 4.125%
HK$151,036
baseline
▲ 0.50% · 4.625%
HK$158,997
+HK$7,961/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$302,072/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,724 · Scale 2, in force from 26 Feb 2026)