LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,685
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,915
−HK$2,265/mo
Today · 4.125%
HK$76,180
baseline
▲ 0.50% · 4.625%
HK$80,816
+HK$4,636/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,360/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,749
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,888
−HK$2,169/mo
Today · 4.125%
HK$84,057
baseline
▲ 0.50% · 4.625%
HK$88,488
+HK$4,431/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,114/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,022
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,698
−HK$2,718/mo
Today · 4.125%
HK$91,416
baseline
▲ 0.50% · 4.625%
HK$96,979
+HK$5,563/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,832/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,698
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,265
−HK$2,604/mo
Today · 4.125%
HK$100,869
baseline
▲ 0.50% · 4.625%
HK$106,186
+HK$5,317/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,738/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,359
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,481
−HK$3,171/mo
Today · 4.125%
HK$106,652
baseline
▲ 0.50% · 4.625%
HK$113,142
+HK$6,490/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,304/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,648
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,643
−HK$3,037/mo
Today · 4.125%
HK$117,680
baseline
▲ 0.50% · 4.625%
HK$123,883
+HK$6,203/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,360/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,033
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,046
−HK$4,078/mo
Today · 4.125%
HK$137,124
baseline
▲ 0.50% · 4.625%
HK$145,468
+HK$8,344/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,248/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,548
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,398
−HK$3,905/mo
Today · 4.125%
HK$151,303
baseline
▲ 0.50% · 4.625%
HK$159,278
+HK$7,975/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,606/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,081 · Scale 2, in force from 26 Feb 2026)