LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,862
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,097
−HK$2,271/mo
Today · 4.125%
HK$76,368
baseline
▲ 0.50% · 4.625%
HK$81,015
+HK$4,647/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,736/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,945
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,089
−HK$2,175/mo
Today · 4.125%
HK$84,264
baseline
▲ 0.50% · 4.625%
HK$88,706
+HK$4,442/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,528/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,234
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,916
−HK$2,725/mo
Today · 4.125%
HK$91,641
baseline
▲ 0.50% · 4.625%
HK$97,218
+HK$5,577/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,282/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,934
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,507
−HK$2,610/mo
Today · 4.125%
HK$101,117
baseline
▲ 0.50% · 4.625%
HK$106,447
+HK$5,330/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,234/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,606
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,736
−HK$3,179/mo
Today · 4.125%
HK$106,915
baseline
▲ 0.50% · 4.625%
HK$113,421
+HK$6,506/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$213,830/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,923
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,925
−HK$3,045/mo
Today · 4.125%
HK$117,970
baseline
▲ 0.50% · 4.625%
HK$124,189
+HK$6,219/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$235,940/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,351
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,374
−HK$4,088/mo
Today · 4.125%
HK$137,462
baseline
▲ 0.50% · 4.625%
HK$145,826
+HK$8,364/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$274,924/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,901
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,761
−HK$3,915/mo
Today · 4.125%
HK$151,676
baseline
▲ 0.50% · 4.625%
HK$159,671
+HK$7,995/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$303,352/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,374 · Scale 2, in force from 26 Feb 2026)