LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,715
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,946
−HK$2,266/mo
Today · 4.125%
HK$76,212
baseline
▲ 0.50% · 4.625%
HK$80,849
+HK$4,637/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,424/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,782
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,922
−HK$2,170/mo
Today · 4.125%
HK$84,092
baseline
▲ 0.50% · 4.625%
HK$88,525
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,184/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,058
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,735
−HK$2,719/mo
Today · 4.125%
HK$91,454
baseline
▲ 0.50% · 4.625%
HK$97,019
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,908/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,738
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,306
−HK$2,605/mo
Today · 4.125%
HK$100,911
baseline
▲ 0.50% · 4.625%
HK$106,230
+HK$5,319/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,822/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,401
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,524
−HK$3,173/mo
Today · 4.125%
HK$106,697
baseline
▲ 0.50% · 4.625%
HK$113,189
+HK$6,492/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,394/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,695
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,690
−HK$3,039/mo
Today · 4.125%
HK$117,729
baseline
▲ 0.50% · 4.625%
HK$123,935
+HK$6,206/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,458/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,087
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,102
−HK$4,079/mo
Today · 4.125%
HK$137,181
baseline
▲ 0.50% · 4.625%
HK$145,529
+HK$8,348/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,362/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,608
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$147,459
−HK$3,907/mo
Today · 4.125%
HK$151,366
baseline
▲ 0.50% · 4.625%
HK$159,345
+HK$7,979/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,732/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,639 · Scale 2, in force from 26 Feb 2026)