LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,778
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,011
−HK$2,269/mo
Today · 4.125%
HK$76,280
baseline
▲ 0.50% · 4.625%
HK$80,921
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,560/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,853
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,994
−HK$2,173/mo
Today · 4.125%
HK$84,167
baseline
▲ 0.50% · 4.625%
HK$88,604
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,334/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,134
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,813
−HK$2,723/mo
Today · 4.125%
HK$91,536
baseline
▲ 0.50% · 4.625%
HK$97,105
+HK$5,569/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,072/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,826 · 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$106,324
+HK$5,324/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$1,337,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,490
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,616
−HK$3,175/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$1,337,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,794
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,792
−HK$3,042/mo
Today · 4.125%
HK$117,834
baseline
▲ 0.50% · 4.625%
HK$124,045
+HK$6,211/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,668/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,201
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,220
−HK$4,083/mo
Today · 4.125%
HK$137,303
baseline
▲ 0.50% · 4.625%
HK$145,658
+HK$8,355/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,606/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,735
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$147,590
−HK$3,911/mo
Today · 4.125%
HK$151,501
baseline
▲ 0.50% · 4.625%
HK$159,486
+HK$7,985/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$303,002/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,826 · Scale 2, in force from 26 Feb 2026)