LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,768
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,001
−HK$2,268/mo
Today · 4.125%
HK$76,269
baseline
▲ 0.50% · 4.625%
HK$80,910
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,538/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,841
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,983
−HK$2,172/mo
Today · 4.125%
HK$84,155
baseline
▲ 0.50% · 4.625%
HK$88,591
+HK$4,436/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,310/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,122
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,801
−HK$2,721/mo
Today · 4.125%
HK$91,522
baseline
▲ 0.50% · 4.625%
HK$97,091
+HK$5,569/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$183,044/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,810
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,379
−HK$2,607/mo
Today · 4.125%
HK$100,986
baseline
▲ 0.50% · 4.625%
HK$106,309
+HK$5,323/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,972/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,476
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,601
−HK$3,175/mo
Today · 4.125%
HK$106,776
baseline
▲ 0.50% · 4.625%
HK$113,273
+HK$6,497/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,552/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,778
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,776
−HK$3,041/mo
Today · 4.125%
HK$117,817
baseline
▲ 0.50% · 4.625%
HK$124,027
+HK$6,210/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,634/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,183
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,201
−HK$4,083/mo
Today · 4.125%
HK$137,284
baseline
▲ 0.50% · 4.625%
HK$145,637
+HK$8,353/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,568/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,715
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,569
−HK$3,910/mo
Today · 4.125%
HK$151,479
baseline
▲ 0.50% · 4.625%
HK$159,464
+HK$7,985/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,958/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,635 · Scale 2, in force from 26 Feb 2026)