LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,730
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,961
−HK$2,267/mo
Today · 4.125%
HK$76,228
baseline
▲ 0.50% · 4.625%
HK$80,867
+HK$4,639/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,456/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,799
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,939
−HK$2,172/mo
Today · 4.125%
HK$84,111
baseline
▲ 0.50% · 4.625%
HK$88,544
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,222/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,076
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,754
−HK$2,720/mo
Today · 4.125%
HK$91,474
baseline
▲ 0.50% · 4.625%
HK$97,040
+HK$5,566/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,948/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,759
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,327
−HK$2,606/mo
Today · 4.125%
HK$100,933
baseline
▲ 0.50% · 4.625%
HK$106,253
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,866/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,422
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,546
−HK$3,174/mo
Today · 4.125%
HK$106,720
baseline
▲ 0.50% · 4.625%
HK$113,213
+HK$6,493/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,440/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,719
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,715
−HK$3,040/mo
Today · 4.125%
HK$117,755
baseline
▲ 0.50% · 4.625%
HK$123,962
+HK$6,207/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,510/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,114
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,131
−HK$4,080/mo
Today · 4.125%
HK$137,211
baseline
▲ 0.50% · 4.625%
HK$145,560
+HK$8,349/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,422/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,639
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$147,491
−HK$3,908/mo
Today · 4.125%
HK$151,399
baseline
▲ 0.50% · 4.625%
HK$159,379
+HK$7,980/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,798/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,927 · Scale 2, in force from 26 Feb 2026)