LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,646
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,875
−HK$2,264/mo
Today · 4.125%
HK$76,139
baseline
▲ 0.50% · 4.625%
HK$80,772
+HK$4,633/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$152,278/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,706
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,843
−HK$2,169/mo
Today · 4.125%
HK$84,012
baseline
▲ 0.50% · 4.625%
HK$88,440
+HK$4,428/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$168,024/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,975
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,650
−HK$2,717/mo
Today · 4.125%
HK$91,367
baseline
▲ 0.50% · 4.625%
HK$96,926
+HK$5,559/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$182,734/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,647
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,212
−HK$2,602/mo
Today · 4.125%
HK$100,814
baseline
▲ 0.50% · 4.625%
HK$106,128
+HK$5,314/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$201,628/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,305
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,425
−HK$3,170/mo
Today · 4.125%
HK$106,595
baseline
▲ 0.50% · 4.625%
HK$113,081
+HK$6,486/mo
Deposit HK$9.43M · loan HK$21.99M · min. income ≈ HK$213,190/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,588
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,581
−HK$3,036/mo
Today · 4.125%
HK$117,617
baseline
▲ 0.50% · 4.625%
HK$123,816
+HK$6,199/mo
Deposit HK$9.43M · loan HK$21.99M · min. income ≈ HK$235,234/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,963
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$132,974
−HK$4,076/mo
Today · 4.125%
HK$137,050
baseline
▲ 0.50% · 4.625%
HK$145,389
+HK$8,339/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$274,100/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,470
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$147,318
−HK$3,903/mo
Today · 4.125%
HK$151,221
baseline
▲ 0.50% · 4.625%
HK$159,192
+HK$7,971/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$302,442/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,359 · Scale 2, in force from 26 Feb 2026)