LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,721
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,952
−HK$2,267/mo
Today · 4.125%
HK$76,219
baseline
▲ 0.50% · 4.625%
HK$80,856
+HK$4,637/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,438/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,789
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,929
−HK$2,171/mo
Today · 4.125%
HK$84,100
baseline
▲ 0.50% · 4.625%
HK$88,533
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,200/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,065
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,742
−HK$2,720/mo
Today · 4.125%
HK$91,462
baseline
▲ 0.50% · 4.625%
HK$97,028
+HK$5,566/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,924/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,747
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,315
−HK$2,605/mo
Today · 4.125%
HK$100,920
baseline
▲ 0.50% · 4.625%
HK$106,239
+HK$5,319/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,840/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,409
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,533
−HK$3,173/mo
Today · 4.125%
HK$106,706
baseline
▲ 0.50% · 4.625%
HK$113,199
+HK$6,493/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,412/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,705
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,700
−HK$3,040/mo
Today · 4.125%
HK$117,740
baseline
▲ 0.50% · 4.625%
HK$123,946
+HK$6,206/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,480/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,098
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,114
−HK$4,079/mo
Today · 4.125%
HK$137,193
baseline
▲ 0.50% · 4.625%
HK$145,541
+HK$8,348/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,386/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,620
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,472
−HK$3,907/mo
Today · 4.125%
HK$151,379
baseline
▲ 0.50% · 4.625%
HK$159,359
+HK$7,980/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,758/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,756 · Scale 2, in force from 26 Feb 2026)