LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,887
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,123
−HK$2,272/mo
Today · 4.125%
HK$76,395
baseline
▲ 0.50% · 4.625%
HK$81,044
+HK$4,649/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,790/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,974
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,119
−HK$2,176/mo
Today · 4.125%
HK$84,295
baseline
▲ 0.50% · 4.625%
HK$88,738
+HK$4,443/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,590/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,265
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,948
−HK$2,726/mo
Today · 4.125%
HK$91,674
baseline
▲ 0.50% · 4.625%
HK$97,252
+HK$5,578/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,348/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,969
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,542
−HK$2,612/mo
Today · 4.125%
HK$101,154
baseline
▲ 0.50% · 4.625%
HK$106,485
+HK$5,331/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,308/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,642
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,773
−HK$3,180/mo
Today · 4.125%
HK$106,953
baseline
▲ 0.50% · 4.625%
HK$113,461
+HK$6,508/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,906/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,963
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,966
−HK$3,046/mo
Today · 4.125%
HK$118,012
baseline
▲ 0.50% · 4.625%
HK$124,233
+HK$6,221/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,024/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,397
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,422
−HK$4,089/mo
Today · 4.125%
HK$137,511
baseline
▲ 0.50% · 4.625%
HK$145,879
+HK$8,368/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$275,022/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,953
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,814
−HK$3,916/mo
Today · 4.125%
HK$151,730
baseline
▲ 0.50% · 4.625%
HK$159,728
+HK$7,998/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,460/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,854 · Scale 2, in force from 26 Feb 2026)