LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,595
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,822
−HK$2,263/mo
Today · 4.125%
HK$76,085
baseline
▲ 0.50% · 4.625%
HK$80,714
+HK$4,629/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,170/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,649
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,785
−HK$2,167/mo
Today · 4.125%
HK$83,952
baseline
▲ 0.50% · 4.625%
HK$88,377
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,904/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,914
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,587
−HK$2,715/mo
Today · 4.125%
HK$91,302
baseline
▲ 0.50% · 4.625%
HK$96,857
+HK$5,555/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,604/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,579
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,142
−HK$2,600/mo
Today · 4.125%
HK$100,742
baseline
▲ 0.50% · 4.625%
HK$106,053
+HK$5,311/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$1,334,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,233
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,351
−HK$3,168/mo
Today · 4.125%
HK$106,519
baseline
▲ 0.50% · 4.625%
HK$113,000
+HK$6,481/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,038/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,508
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,499
−HK$3,034/mo
Today · 4.125%
HK$117,533
baseline
▲ 0.50% · 4.625%
HK$123,728
+HK$6,195/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,066/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,871
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$132,880
−HK$4,073/mo
Today · 4.125%
HK$136,953
baseline
▲ 0.50% · 4.625%
HK$145,286
+HK$8,333/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,906/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,368
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$147,213
−HK$3,901/mo
Today · 4.125%
HK$151,114
baseline
▲ 0.50% · 4.625%
HK$159,079
+HK$7,965/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,228/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,409 · Scale 2, in force from 26 Feb 2026)