LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,692
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,922
−HK$2,265/mo
Today · 4.125%
HK$76,187
baseline
▲ 0.50% · 4.625%
HK$80,823
+HK$4,636/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,374/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,756
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,895
−HK$2,170/mo
Today · 4.125%
HK$84,065
baseline
▲ 0.50% · 4.625%
HK$88,497
+HK$4,432/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,130/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,030
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,706
−HK$2,719/mo
Today · 4.125%
HK$91,425
baseline
▲ 0.50% · 4.625%
HK$96,988
+HK$5,563/mo
Deposit HK$12.58M · loan HK$18.86M · min. income ≈ HK$182,850/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,708
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,274
−HK$2,604/mo
Today · 4.125%
HK$100,878
baseline
▲ 0.50% · 4.625%
HK$106,196
+HK$5,318/mo
Deposit HK$12.58M · loan HK$18.86M · min. income ≈ HK$201,756/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,368
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,490
−HK$3,172/mo
Today · 4.125%
HK$106,662
baseline
▲ 0.50% · 4.625%
HK$113,153
+HK$6,491/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,324/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,659
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,653
−HK$3,038/mo
Today · 4.125%
HK$117,691
baseline
▲ 0.50% · 4.625%
HK$123,895
+HK$6,204/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,382/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,045
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$133,059
−HK$4,078/mo
Today · 4.125%
HK$137,137
baseline
▲ 0.50% · 4.625%
HK$145,482
+HK$8,345/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,274/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,561
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$147,412
−HK$3,906/mo
Today · 4.125%
HK$151,318
baseline
▲ 0.50% · 4.625%
HK$159,294
+HK$7,976/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,636/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,209 · Scale 2, in force from 26 Feb 2026)