LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,901
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,137
−HK$2,272/mo
Today · 4.125%
HK$76,409
baseline
▲ 0.50% · 4.625%
HK$81,059
+HK$4,650/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,818/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,989
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,134
−HK$2,176/mo
Today · 4.125%
HK$84,310
baseline
▲ 0.50% · 4.625%
HK$88,754
+HK$4,444/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,620/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,281
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,964
−HK$2,727/mo
Today · 4.125%
HK$91,691
baseline
▲ 0.50% · 4.625%
HK$97,270
+HK$5,579/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,382/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,986
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,561
−HK$2,611/mo
Today · 4.125%
HK$101,172
baseline
▲ 0.50% · 4.625%
HK$106,505
+HK$5,333/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,344/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,661
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,792
−HK$3,181/mo
Today · 4.125%
HK$106,973
baseline
▲ 0.50% · 4.625%
HK$113,482
+HK$6,509/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,946/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,984
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,987
−HK$3,047/mo
Today · 4.125%
HK$118,034
baseline
▲ 0.50% · 4.625%
HK$124,256
+HK$6,222/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,068/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,421
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$133,447
−HK$4,090/mo
Today · 4.125%
HK$137,537
baseline
▲ 0.50% · 4.625%
HK$145,906
+HK$8,369/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,074/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,980
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,841
−HK$3,917/mo
Today · 4.125%
HK$151,758
baseline
▲ 0.50% · 4.625%
HK$159,758
+HK$8,000/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,516/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,101 · Scale 2, in force from 26 Feb 2026)