LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,717
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,947
−HK$2,267/mo
Today · 4.125%
HK$76,214
baseline
▲ 0.50% · 4.625%
HK$80,851
+HK$4,637/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,428/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,784
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,924
−HK$2,170/mo
Today · 4.125%
HK$84,094
baseline
▲ 0.50% · 4.625%
HK$88,527
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,188/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,060
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,737
−HK$2,720/mo
Today · 4.125%
HK$91,457
baseline
▲ 0.50% · 4.625%
HK$97,022
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,914/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,741
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,308
−HK$2,605/mo
Today · 4.125%
HK$100,913
baseline
▲ 0.50% · 4.625%
HK$106,233
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,826/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,403
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,526
−HK$3,173/mo
Today · 4.125%
HK$106,699
baseline
▲ 0.50% · 4.625%
HK$113,192
+HK$6,493/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,398/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,698
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,693
−HK$3,039/mo
Today · 4.125%
HK$117,732
baseline
▲ 0.50% · 4.625%
HK$123,938
+HK$6,206/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,464/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,090
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,105
−HK$4,080/mo
Today · 4.125%
HK$137,185
baseline
▲ 0.50% · 4.625%
HK$145,532
+HK$8,347/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,370/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,611
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,463
−HK$3,907/mo
Today · 4.125%
HK$151,370
baseline
▲ 0.50% · 4.625%
HK$159,349
+HK$7,979/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,740/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,672 · Scale 2, in force from 26 Feb 2026)