LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,784
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,016
−HK$2,269/mo
Today · 4.125%
HK$76,285
baseline
▲ 0.50% · 4.625%
HK$80,927
+HK$4,642/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,570/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,859
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$82,000
−HK$2,173/mo
Today · 4.125%
HK$84,173
baseline
▲ 0.50% · 4.625%
HK$88,610
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,346/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,140
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,820
−HK$2,722/mo
Today · 4.125%
HK$91,542
baseline
▲ 0.50% · 4.625%
HK$97,112
+HK$5,570/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,084/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,830
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,400
−HK$2,608/mo
Today · 4.125%
HK$101,008
baseline
▲ 0.50% · 4.625%
HK$106,332
+HK$5,324/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$202,016/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,497
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,623
−HK$3,176/mo
Today · 4.125%
HK$106,799
baseline
▲ 0.50% · 4.625%
HK$113,298
+HK$6,499/mo
Deposit HK$9.44M · loan HK$22.04M · min. income ≈ HK$213,598/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,802
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,800
−HK$3,042/mo
Today · 4.125%
HK$117,842
baseline
▲ 0.50% · 4.625%
HK$124,054
+HK$6,212/mo
Deposit HK$9.44M · loan HK$22.04M · min. income ≈ HK$235,684/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,210
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$133,230
−HK$4,083/mo
Today · 4.125%
HK$137,313
baseline
▲ 0.50% · 4.625%
HK$145,668
+HK$8,355/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,626/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,745
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$147,600
−HK$3,911/mo
Today · 4.125%
HK$151,511
baseline
▲ 0.50% · 4.625%
HK$159,498
+HK$7,987/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$303,022/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,921 · Scale 2, in force from 26 Feb 2026)