LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,909
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,146
−HK$2,272/mo
Today · 4.125%
HK$76,418
baseline
▲ 0.50% · 4.625%
HK$81,068
+HK$4,650/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,836/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,998
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,143
−HK$2,177/mo
Today · 4.125%
HK$84,320
baseline
▲ 0.50% · 4.625%
HK$88,765
+HK$4,445/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,640/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,291
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,975
−HK$2,727/mo
Today · 4.125%
HK$91,702
baseline
▲ 0.50% · 4.625%
HK$97,282
+HK$5,580/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,404/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,998
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,572
−HK$2,612/mo
Today · 4.125%
HK$101,184
baseline
▲ 0.50% · 4.625%
HK$106,518
+HK$5,334/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,368/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,673
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,804
−HK$3,182/mo
Today · 4.125%
HK$106,986
baseline
▲ 0.50% · 4.625%
HK$113,495
+HK$6,509/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,972/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,997
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,001
−HK$3,047/mo
Today · 4.125%
HK$118,048
baseline
▲ 0.50% · 4.625%
HK$124,271
+HK$6,223/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,096/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,436
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,462
−HK$4,091/mo
Today · 4.125%
HK$137,553
baseline
▲ 0.50% · 4.625%
HK$145,923
+HK$8,370/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,106/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,996
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$147,858
−HK$3,918/mo
Today · 4.125%
HK$151,776
baseline
▲ 0.50% · 4.625%
HK$159,776
+HK$8,000/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,552/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,258 · Scale 2, in force from 26 Feb 2026)