LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,576
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,802
−HK$2,262/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,692
+HK$4,628/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,627
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,763
−HK$2,166/mo
Today · 4.125%
HK$83,929
baseline
▲ 0.50% · 4.625%
HK$88,353
+HK$4,424/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,858/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,891
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,563
−HK$2,714/mo
Today · 4.125%
HK$91,277
baseline
▲ 0.50% · 4.625%
HK$96,831
+HK$5,554/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$182,554/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,553
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,115
−HK$2,600/mo
Today · 4.125%
HK$100,715
baseline
▲ 0.50% · 4.625%
HK$106,024
+HK$5,309/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$201,430/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,206
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,323
−HK$3,167/mo
Today · 4.125%
HK$106,490
baseline
▲ 0.50% · 4.625%
HK$112,969
+HK$6,479/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,980/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,478
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,468
−HK$3,033/mo
Today · 4.125%
HK$117,501
baseline
▲ 0.50% · 4.625%
HK$123,695
+HK$6,194/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$235,002/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,836
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,844
−HK$4,071/mo
Today · 4.125%
HK$136,915
baseline
▲ 0.50% · 4.625%
HK$145,246
+HK$8,331/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,830/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,329
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$147,173
−HK$3,900/mo
Today · 4.125%
HK$151,073
baseline
▲ 0.50% · 4.625%
HK$159,036
+HK$7,963/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,146/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,047 · Scale 2, in force from 26 Feb 2026)