LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,744
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,976
−HK$2,267/mo
Today · 4.125%
HK$76,243
baseline
▲ 0.50% · 4.625%
HK$80,882
+HK$4,639/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,486/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,815
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,955
−HK$2,172/mo
Today · 4.125%
HK$84,127
baseline
▲ 0.50% · 4.625%
HK$88,561
+HK$4,434/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,254/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,093
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,771
−HK$2,721/mo
Today · 4.125%
HK$91,492
baseline
▲ 0.50% · 4.625%
HK$97,059
+HK$5,567/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$182,984/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,777
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,346
−HK$2,606/mo
Today · 4.125%
HK$100,952
baseline
▲ 0.50% · 4.625%
HK$106,273
+HK$5,321/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,904/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,442
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,566
−HK$3,174/mo
Today · 4.125%
HK$106,740
baseline
▲ 0.50% · 4.625%
HK$113,235
+HK$6,495/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,480/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,740
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,737
−HK$3,040/mo
Today · 4.125%
HK$117,777
baseline
▲ 0.50% · 4.625%
HK$123,986
+HK$6,209/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,554/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,139
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$133,156
−HK$4,081/mo
Today · 4.125%
HK$137,237
baseline
▲ 0.50% · 4.625%
HK$145,588
+HK$8,351/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$274,474/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,666
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,519
−HK$3,909/mo
Today · 4.125%
HK$151,428
baseline
▲ 0.50% · 4.625%
HK$159,410
+HK$7,982/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$302,856/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,184 · Scale 2, in force from 26 Feb 2026)