LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,689
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,919
−HK$2,266/mo
Today · 4.125%
HK$76,185
baseline
▲ 0.50% · 4.625%
HK$80,820
+HK$4,635/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,370/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,753
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,892
−HK$2,170/mo
Today · 4.125%
HK$84,062
baseline
▲ 0.50% · 4.625%
HK$88,493
+HK$4,431/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,124/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,027
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,703
−HK$2,719/mo
Today · 4.125%
HK$91,422
baseline
▲ 0.50% · 4.625%
HK$96,984
+HK$5,562/mo
Deposit HK$12.58M · loan HK$18.86M · min. income ≈ HK$182,844/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,704
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,271
−HK$2,604/mo
Today · 4.125%
HK$100,875
baseline
▲ 0.50% · 4.625%
HK$106,192
+HK$5,317/mo
Deposit HK$12.58M · loan HK$18.86M · min. income ≈ HK$201,750/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,365
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,487
−HK$3,172/mo
Today · 4.125%
HK$106,659
baseline
▲ 0.50% · 4.625%
HK$113,149
+HK$6,490/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,318/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,655
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,649
−HK$3,038/mo
Today · 4.125%
HK$117,687
baseline
▲ 0.50% · 4.625%
HK$123,891
+HK$6,204/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,374/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,041
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,054
−HK$4,078/mo
Today · 4.125%
HK$137,132
baseline
▲ 0.50% · 4.625%
HK$145,477
+HK$8,345/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,264/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,556
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$147,406
−HK$3,906/mo
Today · 4.125%
HK$151,312
baseline
▲ 0.50% · 4.625%
HK$159,288
+HK$7,976/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,624/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,161 · Scale 2, in force from 26 Feb 2026)