LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,566
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,792
−HK$2,262/mo
Today · 4.125%
HK$76,054
baseline
▲ 0.50% · 4.625%
HK$80,682
+HK$4,628/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,108/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,617
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,752
−HK$2,166/mo
Today · 4.125%
HK$83,918
baseline
▲ 0.50% · 4.625%
HK$88,341
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,836/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,879
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,551
−HK$2,714/mo
Today · 4.125%
HK$91,265
baseline
▲ 0.50% · 4.625%
HK$96,818
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,530/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,540
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,102
−HK$2,600/mo
Today · 4.125%
HK$100,702
baseline
▲ 0.50% · 4.625%
HK$106,010
+HK$5,308/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,404/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,193
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,309
−HK$3,167/mo
Today · 4.125%
HK$106,476
baseline
▲ 0.50% · 4.625%
HK$112,954
+HK$6,478/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,952/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,463
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,453
−HK$3,032/mo
Today · 4.125%
HK$117,485
baseline
▲ 0.50% · 4.625%
HK$123,678
+HK$6,193/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$234,970/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,819
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,826
−HK$4,071/mo
Today · 4.125%
HK$136,897
baseline
▲ 0.50% · 4.625%
HK$145,227
+HK$8,330/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,794/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,310
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,153
−HK$3,899/mo
Today · 4.125%
HK$151,052
baseline
▲ 0.50% · 4.625%
HK$159,015
+HK$7,963/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,104/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,868 · Scale 2, in force from 26 Feb 2026)