LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,904
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,140
−HK$2,273/mo
Today · 4.125%
HK$76,413
baseline
▲ 0.50% · 4.625%
HK$81,062
+HK$4,649/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,826/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,992
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,137
−HK$2,177/mo
Today · 4.125%
HK$84,314
baseline
▲ 0.50% · 4.625%
HK$88,758
+HK$4,444/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,628/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,284
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,968
−HK$2,727/mo
Today · 4.125%
HK$91,695
baseline
▲ 0.50% · 4.625%
HK$97,274
+HK$5,579/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,390/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,990
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,565
−HK$2,611/mo
Today · 4.125%
HK$101,176
baseline
▲ 0.50% · 4.625%
HK$106,510
+HK$5,334/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,352/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,665
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,796
−HK$3,182/mo
Today · 4.125%
HK$106,978
baseline
▲ 0.50% · 4.625%
HK$113,487
+HK$6,509/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,956/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,989
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,992
−HK$3,047/mo
Today · 4.125%
HK$118,039
baseline
▲ 0.50% · 4.625%
HK$124,261
+HK$6,222/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,078/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,426
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,452
−HK$4,091/mo
Today · 4.125%
HK$137,543
baseline
▲ 0.50% · 4.625%
HK$145,912
+HK$8,369/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,086/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,986
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,847
−HK$3,918/mo
Today · 4.125%
HK$151,765
baseline
▲ 0.50% · 4.625%
HK$159,764
+HK$7,999/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,530/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,157 · Scale 2, in force from 26 Feb 2026)