LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,774
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,007
−HK$2,268/mo
Today · 4.125%
HK$76,275
baseline
▲ 0.50% · 4.625%
HK$80,916
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,550/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,848
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,989
−HK$2,173/mo
Today · 4.125%
HK$84,162
baseline
▲ 0.50% · 4.625%
HK$88,598
+HK$4,436/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,324/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,129
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,808
−HK$2,722/mo
Today · 4.125%
HK$91,530
baseline
▲ 0.50% · 4.625%
HK$97,099
+HK$5,569/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,060/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,817
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,387
−HK$2,607/mo
Today · 4.125%
HK$100,994
baseline
▲ 0.50% · 4.625%
HK$106,318
+HK$5,324/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$201,988/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,484
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,609
−HK$3,176/mo
Today · 4.125%
HK$106,785
baseline
▲ 0.50% · 4.625%
HK$113,282
+HK$6,497/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,570/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,787
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,785
−HK$3,041/mo
Today · 4.125%
HK$117,826
baseline
▲ 0.50% · 4.625%
HK$124,037
+HK$6,211/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,652/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,193
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,212
−HK$4,083/mo
Today · 4.125%
HK$137,295
baseline
▲ 0.50% · 4.625%
HK$145,649
+HK$8,354/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,590/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,726
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,581
−HK$3,910/mo
Today · 4.125%
HK$151,491
baseline
▲ 0.50% · 4.625%
HK$159,476
+HK$7,985/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,982/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,741 · Scale 2, in force from 26 Feb 2026)