LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,719
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,950
−HK$2,267/mo
Today · 4.125%
HK$76,217
baseline
▲ 0.50% · 4.625%
HK$80,854
+HK$4,637/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,434/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,787
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,927
−HK$2,171/mo
Today · 4.125%
HK$84,098
baseline
▲ 0.50% · 4.625%
HK$88,531
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,196/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,063
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,740
−HK$2,720/mo
Today · 4.125%
HK$91,460
baseline
▲ 0.50% · 4.625%
HK$97,025
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,920/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,745
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,312
−HK$2,605/mo
Today · 4.125%
HK$100,917
baseline
▲ 0.50% · 4.625%
HK$106,237
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,834/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,407
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,530
−HK$3,174/mo
Today · 4.125%
HK$106,704
baseline
▲ 0.50% · 4.625%
HK$113,196
+HK$6,492/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,408/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,702
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,698
−HK$3,039/mo
Today · 4.125%
HK$117,737
baseline
▲ 0.50% · 4.625%
HK$123,943
+HK$6,206/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,474/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,095
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,110
−HK$4,080/mo
Today · 4.125%
HK$137,190
baseline
▲ 0.50% · 4.625%
HK$145,538
+HK$8,348/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,380/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,617
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,469
−HK$3,907/mo
Today · 4.125%
HK$151,376
baseline
▲ 0.50% · 4.625%
HK$159,355
+HK$7,979/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,752/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,725 · Scale 2, in force from 26 Feb 2026)