LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,894
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,130
−HK$2,272/mo
Today · 4.125%
HK$76,402
baseline
▲ 0.50% · 4.625%
HK$81,051
+HK$4,649/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,804/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,981
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,126
−HK$2,176/mo
Today · 4.125%
HK$84,302
baseline
▲ 0.50% · 4.625%
HK$88,746
+HK$4,444/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,604/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,272
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,956
−HK$2,726/mo
Today · 4.125%
HK$91,682
baseline
▲ 0.50% · 4.625%
HK$97,261
+HK$5,579/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,364/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,977
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,551
−HK$2,611/mo
Today · 4.125%
HK$101,162
baseline
▲ 0.50% · 4.625%
HK$106,495
+HK$5,333/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,324/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,651
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,782
−HK$3,181/mo
Today · 4.125%
HK$106,963
baseline
▲ 0.50% · 4.625%
HK$113,471
+HK$6,508/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,926/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,973
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,976
−HK$3,047/mo
Today · 4.125%
HK$118,023
baseline
▲ 0.50% · 4.625%
HK$124,244
+HK$6,221/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,046/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,408
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$133,434
−HK$4,090/mo
Today · 4.125%
HK$137,524
baseline
▲ 0.50% · 4.625%
HK$145,892
+HK$8,368/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,048/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,966
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,827
−HK$3,917/mo
Today · 4.125%
HK$151,744
baseline
▲ 0.50% · 4.625%
HK$159,742
+HK$7,998/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,488/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,972 · Scale 2, in force from 26 Feb 2026)