LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,729
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,960
−HK$2,267/mo
Today · 4.125%
HK$76,227
baseline
▲ 0.50% · 4.625%
HK$80,865
+HK$4,638/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,454/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,797
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,937
−HK$2,171/mo
Today · 4.125%
HK$84,108
baseline
▲ 0.50% · 4.625%
HK$88,542
+HK$4,434/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,216/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,074
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,752
−HK$2,720/mo
Today · 4.125%
HK$91,472
baseline
▲ 0.50% · 4.625%
HK$97,038
+HK$5,566/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,944/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,757
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,325
−HK$2,605/mo
Today · 4.125%
HK$100,930
baseline
▲ 0.50% · 4.625%
HK$106,250
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,860/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,420
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,544
−HK$3,173/mo
Today · 4.125%
HK$106,717
baseline
▲ 0.50% · 4.625%
HK$113,211
+HK$6,494/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,434/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,716
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,712
−HK$3,040/mo
Today · 4.125%
HK$117,752
baseline
▲ 0.50% · 4.625%
HK$123,959
+HK$6,207/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,504/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,111
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,127
−HK$4,081/mo
Today · 4.125%
HK$137,208
baseline
▲ 0.50% · 4.625%
HK$145,557
+HK$8,349/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,416/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,635
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$147,487
−HK$3,908/mo
Today · 4.125%
HK$151,395
baseline
▲ 0.50% · 4.625%
HK$159,376
+HK$7,981/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,790/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,895 · Scale 2, in force from 26 Feb 2026)