LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,672
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,901
−HK$2,265/mo
Today · 4.125%
HK$76,166
baseline
▲ 0.50% · 4.625%
HK$80,801
+HK$4,635/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,332/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,734
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,873
−HK$2,169/mo
Today · 4.125%
HK$84,042
baseline
▲ 0.50% · 4.625%
HK$88,472
+HK$4,430/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,084/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,006
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,682
−HK$2,718/mo
Today · 4.125%
HK$91,400
baseline
▲ 0.50% · 4.625%
HK$96,961
+HK$5,561/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,800/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,681
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,247
−HK$2,604/mo
Today · 4.125%
HK$100,851
baseline
▲ 0.50% · 4.625%
HK$106,166
+HK$5,315/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,702/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,341
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,462
−HK$3,171/mo
Today · 4.125%
HK$106,633
baseline
▲ 0.50% · 4.625%
HK$113,121
+HK$6,488/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$213,266/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,628
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,622
−HK$3,037/mo
Today · 4.125%
HK$117,659
baseline
▲ 0.50% · 4.625%
HK$123,861
+HK$6,202/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$235,318/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,009
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$133,022
−HK$4,077/mo
Today · 4.125%
HK$137,099
baseline
▲ 0.50% · 4.625%
HK$145,442
+HK$8,343/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,198/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,522
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$147,371
−HK$3,905/mo
Today · 4.125%
HK$151,276
baseline
▲ 0.50% · 4.625%
HK$159,250
+HK$7,974/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,552/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,840 · Scale 2, in force from 26 Feb 2026)