LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,753
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,985
−HK$2,268/mo
Today · 4.125%
HK$76,253
baseline
▲ 0.50% · 4.625%
HK$80,893
+HK$4,640/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,506/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,825
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,966
−HK$2,171/mo
Today · 4.125%
HK$84,137
baseline
▲ 0.50% · 4.625%
HK$88,572
+HK$4,435/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,274/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,104
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,782
−HK$2,721/mo
Today · 4.125%
HK$91,503
baseline
▲ 0.50% · 4.625%
HK$97,071
+HK$5,568/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$183,006/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,790
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,359
−HK$2,606/mo
Today · 4.125%
HK$100,965
baseline
▲ 0.50% · 4.625%
HK$106,287
+HK$5,322/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,930/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,455
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,579
−HK$3,175/mo
Today · 4.125%
HK$106,754
baseline
▲ 0.50% · 4.625%
HK$113,250
+HK$6,496/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,508/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,755
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,752
−HK$3,040/mo
Today · 4.125%
HK$117,792
baseline
▲ 0.50% · 4.625%
HK$124,001
+HK$6,209/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,584/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,156
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,173
−HK$4,082/mo
Today · 4.125%
HK$137,255
baseline
▲ 0.50% · 4.625%
HK$145,607
+HK$8,352/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$274,510/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,685
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,538
−HK$3,909/mo
Today · 4.125%
HK$151,447
baseline
▲ 0.50% · 4.625%
HK$159,430
+HK$7,983/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$302,894/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,356 · Scale 2, in force from 26 Feb 2026)