LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,778
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,011
−HK$2,268/mo
Today · 4.125%
HK$76,279
baseline
▲ 0.50% · 4.625%
HK$80,920
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,558/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,852
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,994
−HK$2,172/mo
Today · 4.125%
HK$84,166
baseline
▲ 0.50% · 4.625%
HK$88,603
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,332/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,133
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,813
−HK$2,722/mo
Today · 4.125%
HK$91,535
baseline
▲ 0.50% · 4.625%
HK$97,104
+HK$5,569/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,070/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,823
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,393
−HK$2,607/mo
Today · 4.125%
HK$101,000
baseline
▲ 0.50% · 4.625%
HK$106,323
+HK$5,323/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$202,000/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,489
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,615
−HK$3,176/mo
Today · 4.125%
HK$106,791
baseline
▲ 0.50% · 4.625%
HK$113,289
+HK$6,498/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,582/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,793
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,791
−HK$3,042/mo
Today · 4.125%
HK$117,833
baseline
▲ 0.50% · 4.625%
HK$124,044
+HK$6,211/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,666/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,200
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,219
−HK$4,083/mo
Today · 4.125%
HK$137,302
baseline
▲ 0.50% · 4.625%
HK$145,657
+HK$8,355/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,604/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,734
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,589
−HK$3,910/mo
Today · 4.125%
HK$151,499
baseline
▲ 0.50% · 4.625%
HK$159,485
+HK$7,986/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,998/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,815 · Scale 2, in force from 26 Feb 2026)