LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,749
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,981
−HK$2,267/mo
Today · 4.125%
HK$76,248
baseline
▲ 0.50% · 4.625%
HK$80,888
+HK$4,640/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,496/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,820
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,961
−HK$2,172/mo
Today · 4.125%
HK$84,133
baseline
▲ 0.50% · 4.625%
HK$88,567
+HK$4,434/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,266/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,099
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,777
−HK$2,721/mo
Today · 4.125%
HK$91,498
baseline
▲ 0.50% · 4.625%
HK$97,065
+HK$5,567/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$182,996/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,784
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,353
−HK$2,606/mo
Today · 4.125%
HK$100,959
baseline
▲ 0.50% · 4.625%
HK$106,281
+HK$5,322/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,918/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,449
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,573
−HK$3,175/mo
Today · 4.125%
HK$106,748
baseline
▲ 0.50% · 4.625%
HK$113,243
+HK$6,495/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,496/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,748
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,745
−HK$3,041/mo
Today · 4.125%
HK$117,786
baseline
▲ 0.50% · 4.625%
HK$123,994
+HK$6,208/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,572/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,148
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,165
−HK$4,082/mo
Today · 4.125%
HK$137,247
baseline
▲ 0.50% · 4.625%
HK$145,598
+HK$8,351/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$274,494/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,676
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,529
−HK$3,910/mo
Today · 4.125%
HK$151,439
baseline
▲ 0.50% · 4.625%
HK$159,421
+HK$7,982/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$302,878/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,277 · Scale 2, in force from 26 Feb 2026)