LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,679
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,909
−HK$2,265/mo
Today · 4.125%
HK$76,174
baseline
▲ 0.50% · 4.625%
HK$80,809
+HK$4,635/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,348/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,742
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,881
−HK$2,170/mo
Today · 4.125%
HK$84,051
baseline
▲ 0.50% · 4.625%
HK$88,481
+HK$4,430/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,102/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,015
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,691
−HK$2,718/mo
Today · 4.125%
HK$91,409
baseline
▲ 0.50% · 4.625%
HK$96,971
+HK$5,562/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,818/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,691
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,257
−HK$2,604/mo
Today · 4.125%
HK$100,861
baseline
▲ 0.50% · 4.625%
HK$106,177
+HK$5,316/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,722/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,351
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,472
−HK$3,172/mo
Today · 4.125%
HK$106,644
baseline
▲ 0.50% · 4.625%
HK$113,133
+HK$6,489/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$213,288/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,639
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,634
−HK$3,037/mo
Today · 4.125%
HK$117,671
baseline
▲ 0.50% · 4.625%
HK$123,874
+HK$6,203/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$235,342/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,023
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,036
−HK$4,078/mo
Today · 4.125%
HK$137,114
baseline
▲ 0.50% · 4.625%
HK$145,457
+HK$8,343/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,228/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,536
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,386
−HK$3,905/mo
Today · 4.125%
HK$151,291
baseline
▲ 0.50% · 4.625%
HK$159,266
+HK$7,975/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,582/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,977 · Scale 2, in force from 26 Feb 2026)