LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,675
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,904
−HK$2,265/mo
Today · 4.125%
HK$76,169
baseline
▲ 0.50% · 4.625%
HK$80,804
+HK$4,635/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,338/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,737
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,876
−HK$2,169/mo
Today · 4.125%
HK$84,045
baseline
▲ 0.50% · 4.625%
HK$88,475
+HK$4,430/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,090/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,009
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,685
−HK$2,718/mo
Today · 4.125%
HK$91,403
baseline
▲ 0.50% · 4.625%
HK$96,965
+HK$5,562/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,806/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,685
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,251
−HK$2,603/mo
Today · 4.125%
HK$100,854
baseline
▲ 0.50% · 4.625%
HK$106,170
+HK$5,316/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,708/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,344
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,466
−HK$3,171/mo
Today · 4.125%
HK$106,637
baseline
▲ 0.50% · 4.625%
HK$113,125
+HK$6,488/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$213,274/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,632
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,626
−HK$3,037/mo
Today · 4.125%
HK$117,663
baseline
▲ 0.50% · 4.625%
HK$123,865
+HK$6,202/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$235,326/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,014
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,027
−HK$4,078/mo
Today · 4.125%
HK$137,105
baseline
▲ 0.50% · 4.625%
HK$145,447
+HK$8,342/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,210/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,527
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$147,376
−HK$3,905/mo
Today · 4.125%
HK$151,281
baseline
▲ 0.50% · 4.625%
HK$159,256
+HK$7,975/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,562/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,889 · Scale 2, in force from 26 Feb 2026)