LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,618
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,846
−HK$2,264/mo
Today · 4.125%
HK$76,110
baseline
▲ 0.50% · 4.625%
HK$80,741
+HK$4,631/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,220/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,675
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,812
−HK$2,167/mo
Today · 4.125%
HK$83,979
baseline
▲ 0.50% · 4.625%
HK$88,406
+HK$4,427/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,958/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,942
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,615
−HK$2,716/mo
Today · 4.125%
HK$91,331
baseline
▲ 0.50% · 4.625%
HK$96,889
+HK$5,558/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,662/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,610
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,174
−HK$2,601/mo
Today · 4.125%
HK$100,775
baseline
▲ 0.50% · 4.625%
HK$106,087
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,550/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,266
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,385
−HK$3,168/mo
Today · 4.125%
HK$106,553
baseline
▲ 0.50% · 4.625%
HK$113,037
+HK$6,484/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$213,106/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,545
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,536
−HK$3,035/mo
Today · 4.125%
HK$117,571
baseline
▲ 0.50% · 4.625%
HK$123,769
+HK$6,198/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$235,142/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,913
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$132,923
−HK$4,074/mo
Today · 4.125%
HK$136,997
baseline
▲ 0.50% · 4.625%
HK$145,333
+HK$8,336/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$273,994/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,415
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$147,261
−HK$3,902/mo
Today · 4.125%
HK$151,163
baseline
▲ 0.50% · 4.625%
HK$159,131
+HK$7,968/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,326/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,844 · Scale 2, in force from 26 Feb 2026)