LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,723
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,954
−HK$2,266/mo
Today · 4.125%
HK$76,220
baseline
▲ 0.50% · 4.625%
HK$80,858
+HK$4,638/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,440/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,791
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,931
−HK$2,171/mo
Today · 4.125%
HK$84,102
baseline
▲ 0.50% · 4.625%
HK$88,535
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,204/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,067
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,745
−HK$2,720/mo
Today · 4.125%
HK$91,465
baseline
▲ 0.50% · 4.625%
HK$97,030
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,930/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,749
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,317
−HK$2,605/mo
Today · 4.125%
HK$100,922
baseline
▲ 0.50% · 4.625%
HK$106,242
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,844/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,412
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,535
−HK$3,174/mo
Today · 4.125%
HK$106,709
baseline
▲ 0.50% · 4.625%
HK$113,202
+HK$6,493/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,418/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,707
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,703
−HK$3,039/mo
Today · 4.125%
HK$117,742
baseline
▲ 0.50% · 4.625%
HK$123,949
+HK$6,207/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,484/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,101
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$133,117
−HK$4,080/mo
Today · 4.125%
HK$137,197
baseline
▲ 0.50% · 4.625%
HK$145,545
+HK$8,348/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,394/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,624
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,476
−HK$3,907/mo
Today · 4.125%
HK$151,383
baseline
▲ 0.50% · 4.625%
HK$159,363
+HK$7,980/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,766/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,788 · Scale 2, in force from 26 Feb 2026)