LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,703
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,933
−HK$2,266/mo
Today · 4.125%
HK$76,199
baseline
▲ 0.50% · 4.625%
HK$80,836
+HK$4,637/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,398/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,769
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,908
−HK$2,170/mo
Today · 4.125%
HK$84,078
baseline
▲ 0.50% · 4.625%
HK$88,510
+HK$4,432/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,156/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,043
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,720
−HK$2,719/mo
Today · 4.125%
HK$91,439
baseline
▲ 0.50% · 4.625%
HK$97,003
+HK$5,564/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,878/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,722
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,290
−HK$2,604/mo
Today · 4.125%
HK$100,894
baseline
▲ 0.50% · 4.625%
HK$106,212
+HK$5,318/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,788/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,384
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,506
−HK$3,173/mo
Today · 4.125%
HK$106,679
baseline
▲ 0.50% · 4.625%
HK$113,170
+HK$6,491/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,358/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,676
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,671
−HK$3,039/mo
Today · 4.125%
HK$117,710
baseline
▲ 0.50% · 4.625%
HK$123,914
+HK$6,204/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,420/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,065
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,080
−HK$4,079/mo
Today · 4.125%
HK$137,159
baseline
▲ 0.50% · 4.625%
HK$145,504
+HK$8,345/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,318/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,584
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$147,434
−HK$3,907/mo
Today · 4.125%
HK$151,341
baseline
▲ 0.50% · 4.625%
HK$159,318
+HK$7,977/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,682/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,415 · Scale 2, in force from 26 Feb 2026)