LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,786
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,019
−HK$2,268/mo
Today · 4.125%
HK$76,287
baseline
▲ 0.50% · 4.625%
HK$80,929
+HK$4,642/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,574/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,861
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$82,003
−HK$2,172/mo
Today · 4.125%
HK$84,175
baseline
▲ 0.50% · 4.625%
HK$88,612
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,350/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,143
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,822
−HK$2,723/mo
Today · 4.125%
HK$91,545
baseline
▲ 0.50% · 4.625%
HK$97,115
+HK$5,570/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,090/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,833
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,403
−HK$2,607/mo
Today · 4.125%
HK$101,010
baseline
▲ 0.50% · 4.625%
HK$106,335
+HK$5,325/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$202,020/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,500
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,626
−HK$3,176/mo
Today · 4.125%
HK$106,802
baseline
▲ 0.50% · 4.625%
HK$113,301
+HK$6,499/mo
Deposit HK$9.44M · loan HK$22.04M · min. income ≈ HK$213,604/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,805
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,804
−HK$3,042/mo
Today · 4.125%
HK$117,846
baseline
▲ 0.50% · 4.625%
HK$124,057
+HK$6,211/mo
Deposit HK$9.44M · loan HK$22.04M · min. income ≈ HK$235,692/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,214
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$133,233
−HK$4,084/mo
Today · 4.125%
HK$137,317
baseline
▲ 0.50% · 4.625%
HK$145,672
+HK$8,355/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,634/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,749
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$147,605
−HK$3,911/mo
Today · 4.125%
HK$151,516
baseline
▲ 0.50% · 4.625%
HK$159,502
+HK$7,986/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$303,032/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,959 · Scale 2, in force from 26 Feb 2026)