LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,588
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,814
−HK$2,263/mo
Today · 4.125%
HK$76,077
baseline
▲ 0.50% · 4.625%
HK$80,706
+HK$4,629/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,154/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,641
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,776
−HK$2,167/mo
Today · 4.125%
HK$83,943
baseline
▲ 0.50% · 4.625%
HK$88,368
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,886/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,905
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,577
−HK$2,715/mo
Today · 4.125%
HK$91,292
baseline
▲ 0.50% · 4.625%
HK$96,847
+HK$5,555/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,584/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,569
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,132
−HK$2,600/mo
Today · 4.125%
HK$100,732
baseline
▲ 0.50% · 4.625%
HK$106,042
+HK$5,310/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,464/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,223
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,340
−HK$3,168/mo
Today · 4.125%
HK$106,508
baseline
▲ 0.50% · 4.625%
HK$112,988
+HK$6,480/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,016/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,497
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,487
−HK$3,034/mo
Today · 4.125%
HK$117,521
baseline
▲ 0.50% · 4.625%
HK$123,715
+HK$6,194/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,042/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,858
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$132,866
−HK$4,072/mo
Today · 4.125%
HK$136,938
baseline
▲ 0.50% · 4.625%
HK$145,271
+HK$8,333/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,876/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,353
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,198
−HK$3,900/mo
Today · 4.125%
HK$151,098
baseline
▲ 0.50% · 4.625%
HK$159,062
+HK$7,964/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,196/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,269 · Scale 2, in force from 26 Feb 2026)