LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,735
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,966
−HK$2,267/mo
Today · 4.125%
HK$76,233
baseline
▲ 0.50% · 4.625%
HK$80,872
+HK$4,639/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,466/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,804
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,944
−HK$2,172/mo
Today · 4.125%
HK$84,116
baseline
▲ 0.50% · 4.625%
HK$88,549
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,232/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,082
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,759
−HK$2,721/mo
Today · 4.125%
HK$91,480
baseline
▲ 0.50% · 4.625%
HK$97,046
+HK$5,566/mo
Deposit HK$12.58M · loan HK$18.88M · min. income ≈ HK$182,960/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,765
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,333
−HK$2,606/mo
Today · 4.125%
HK$100,939
baseline
▲ 0.50% · 4.625%
HK$106,259
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.88M · min. income ≈ HK$201,878/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,428
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,552
−HK$3,174/mo
Today · 4.125%
HK$106,726
baseline
▲ 0.50% · 4.625%
HK$113,220
+HK$6,494/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,452/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,726
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,722
−HK$3,040/mo
Today · 4.125%
HK$117,762
baseline
▲ 0.50% · 4.625%
HK$123,969
+HK$6,207/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,524/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,122
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,139
−HK$4,080/mo
Today · 4.125%
HK$137,219
baseline
▲ 0.50% · 4.625%
HK$145,569
+HK$8,350/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,438/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,647
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,500
−HK$3,908/mo
Today · 4.125%
HK$151,408
baseline
▲ 0.50% · 4.625%
HK$159,389
+HK$7,981/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,816/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,009 · Scale 2, in force from 26 Feb 2026)