LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,610
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,837
−HK$2,263/mo
Today · 4.125%
HK$76,100
baseline
▲ 0.50% · 4.625%
HK$80,731
+HK$4,631/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,200/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,665
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,802
−HK$2,167/mo
Today · 4.125%
HK$83,969
baseline
▲ 0.50% · 4.625%
HK$88,395
+HK$4,426/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,938/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,931
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,604
−HK$2,716/mo
Today · 4.125%
HK$91,320
baseline
▲ 0.50% · 4.625%
HK$96,877
+HK$5,557/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,640/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,598
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,162
−HK$2,601/mo
Today · 4.125%
HK$100,763
baseline
▲ 0.50% · 4.625%
HK$106,074
+HK$5,311/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,526/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,253
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,372
−HK$3,168/mo
Today · 4.125%
HK$106,540
baseline
▲ 0.50% · 4.625%
HK$113,023
+HK$6,483/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,080/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,531
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,522
−HK$3,035/mo
Today · 4.125%
HK$117,557
baseline
▲ 0.50% · 4.625%
HK$123,753
+HK$6,196/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,114/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,897
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,907
−HK$4,073/mo
Today · 4.125%
HK$136,980
baseline
▲ 0.50% · 4.625%
HK$145,315
+HK$8,335/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,960/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,397
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,243
−HK$3,901/mo
Today · 4.125%
HK$151,144
baseline
▲ 0.50% · 4.625%
HK$159,111
+HK$7,967/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,288/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,678 · Scale 2, in force from 26 Feb 2026)