LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,754
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,986
−HK$2,268/mo
Today · 4.125%
HK$76,254
baseline
▲ 0.50% · 4.625%
HK$80,894
+HK$4,640/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,508/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,826
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,967
−HK$2,172/mo
Today · 4.125%
HK$84,139
baseline
▲ 0.50% · 4.625%
HK$88,574
+HK$4,435/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,278/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,105
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,784
−HK$2,721/mo
Today · 4.125%
HK$91,505
baseline
▲ 0.50% · 4.625%
HK$97,073
+HK$5,568/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$183,010/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,791
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,360
−HK$2,607/mo
Today · 4.125%
HK$100,967
baseline
▲ 0.50% · 4.625%
HK$106,289
+HK$5,322/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,934/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,456
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,581
−HK$3,175/mo
Today · 4.125%
HK$106,756
baseline
▲ 0.50% · 4.625%
HK$113,252
+HK$6,496/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,512/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,757
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,754
−HK$3,040/mo
Today · 4.125%
HK$117,794
baseline
▲ 0.50% · 4.625%
HK$124,003
+HK$6,209/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,588/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,158
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,176
−HK$4,081/mo
Today · 4.125%
HK$137,257
baseline
▲ 0.50% · 4.625%
HK$145,609
+HK$8,352/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$274,514/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,687
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,541
−HK$3,909/mo
Today · 4.125%
HK$151,450
baseline
▲ 0.50% · 4.625%
HK$159,433
+HK$7,983/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$302,900/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,378 · Scale 2, in force from 26 Feb 2026)