LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,624
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,852
−HK$2,263/mo
Today · 4.125%
HK$76,115
baseline
▲ 0.50% · 4.625%
HK$80,747
+HK$4,632/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$152,230/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,681
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,818
−HK$2,168/mo
Today · 4.125%
HK$83,986
baseline
▲ 0.50% · 4.625%
HK$88,413
+HK$4,427/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$167,972/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,948
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,622
−HK$2,716/mo
Today · 4.125%
HK$91,338
baseline
▲ 0.50% · 4.625%
HK$96,896
+HK$5,558/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$182,676/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,617
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,181
−HK$2,602/mo
Today · 4.125%
HK$100,783
baseline
▲ 0.50% · 4.625%
HK$106,095
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$201,566/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,273
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,392
−HK$3,169/mo
Today · 4.125%
HK$106,561
baseline
▲ 0.50% · 4.625%
HK$113,045
+HK$6,484/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$213,122/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,553
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,545
−HK$3,035/mo
Today · 4.125%
HK$117,580
baseline
▲ 0.50% · 4.625%
HK$123,778
+HK$6,198/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$235,160/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,923
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$132,933
−HK$4,074/mo
Today · 4.125%
HK$137,007
baseline
▲ 0.50% · 4.625%
HK$145,344
+HK$8,337/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$274,014/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,425
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,272
−HK$3,902/mo
Today · 4.125%
HK$151,174
baseline
▲ 0.50% · 4.625%
HK$159,143
+HK$7,969/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,348/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,942 · Scale 2, in force from 26 Feb 2026)