LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,594
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,821
−HK$2,263/mo
Today · 4.125%
HK$76,084
baseline
▲ 0.50% · 4.625%
HK$80,714
+HK$4,630/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,168/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,648
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,784
−HK$2,167/mo
Today · 4.125%
HK$83,951
baseline
▲ 0.50% · 4.625%
HK$88,376
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,902/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,913
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,586
−HK$2,715/mo
Today · 4.125%
HK$91,301
baseline
▲ 0.50% · 4.625%
HK$96,856
+HK$5,555/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,602/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,578
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,141
−HK$2,601/mo
Today · 4.125%
HK$100,742
baseline
▲ 0.50% · 4.625%
HK$106,052
+HK$5,310/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,484/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,232
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,350
−HK$3,168/mo
Today · 4.125%
HK$106,518
baseline
▲ 0.50% · 4.625%
HK$112,999
+HK$6,481/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,036/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,507
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,498
−HK$3,034/mo
Today · 4.125%
HK$117,532
baseline
▲ 0.50% · 4.625%
HK$123,727
+HK$6,195/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,064/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,870
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$132,879
−HK$4,072/mo
Today · 4.125%
HK$136,951
baseline
▲ 0.50% · 4.625%
HK$145,285
+HK$8,334/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,902/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,367
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,212
−HK$3,900/mo
Today · 4.125%
HK$151,112
baseline
▲ 0.50% · 4.625%
HK$159,078
+HK$7,966/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,224/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,397 · Scale 2, in force from 26 Feb 2026)