LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,765
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,997
−HK$2,268/mo
Today · 4.125%
HK$76,265
baseline
▲ 0.50% · 4.625%
HK$80,906
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,530/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,838
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,979
−HK$2,172/mo
Today · 4.125%
HK$84,151
baseline
▲ 0.50% · 4.625%
HK$88,587
+HK$4,436/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,302/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,118
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,797
−HK$2,721/mo
Today · 4.125%
HK$91,518
baseline
▲ 0.50% · 4.625%
HK$97,087
+HK$5,569/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$183,036/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,805
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,375
−HK$2,606/mo
Today · 4.125%
HK$100,981
baseline
▲ 0.50% · 4.625%
HK$106,304
+HK$5,323/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,962/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,471
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,596
−HK$3,175/mo
Today · 4.125%
HK$106,771
baseline
▲ 0.50% · 4.625%
HK$113,268
+HK$6,497/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,542/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,773
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,771
−HK$3,041/mo
Today · 4.125%
HK$117,812
baseline
▲ 0.50% · 4.625%
HK$124,022
+HK$6,210/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,624/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,177
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,195
−HK$4,083/mo
Today · 4.125%
HK$137,278
baseline
▲ 0.50% · 4.625%
HK$145,631
+HK$8,353/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,556/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,708
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,562
−HK$3,910/mo
Today · 4.125%
HK$151,472
baseline
▲ 0.50% · 4.625%
HK$159,457
+HK$7,985/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,944/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,575 · Scale 2, in force from 26 Feb 2026)