LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,578
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,805
−HK$2,262/mo
Today · 4.125%
HK$76,067
baseline
▲ 0.50% · 4.625%
HK$80,695
+HK$4,628/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,134/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,630
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,766
−HK$2,166/mo
Today · 4.125%
HK$83,932
baseline
▲ 0.50% · 4.625%
HK$88,356
+HK$4,424/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,864/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,894
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,566
−HK$2,714/mo
Today · 4.125%
HK$91,280
baseline
▲ 0.50% · 4.625%
HK$96,834
+HK$5,554/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$182,560/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,556
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,119
−HK$2,600/mo
Today · 4.125%
HK$100,719
baseline
▲ 0.50% · 4.625%
HK$106,028
+HK$5,309/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$201,438/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,210
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,327
−HK$3,167/mo
Today · 4.125%
HK$106,494
baseline
▲ 0.50% · 4.625%
HK$112,973
+HK$6,479/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,988/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,482
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,472
−HK$3,033/mo
Today · 4.125%
HK$117,505
baseline
▲ 0.50% · 4.625%
HK$123,699
+HK$6,194/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$235,010/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,841
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,849
−HK$4,071/mo
Today · 4.125%
HK$136,920
baseline
▲ 0.50% · 4.625%
HK$145,252
+HK$8,332/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,840/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,334
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$147,178
−HK$3,900/mo
Today · 4.125%
HK$151,078
baseline
▲ 0.50% · 4.625%
HK$159,042
+HK$7,964/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,156/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,094 · Scale 2, in force from 26 Feb 2026)