LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,912
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,149
−HK$2,273/mo
Today · 4.125%
HK$76,422
baseline
▲ 0.50% · 4.625%
HK$81,072
+HK$4,650/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,844/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,001
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,147
−HK$2,177/mo
Today · 4.125%
HK$84,324
baseline
▲ 0.50% · 4.625%
HK$88,768
+HK$4,444/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,648/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,294
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,979
−HK$2,727/mo
Today · 4.125%
HK$91,706
baseline
▲ 0.50% · 4.625%
HK$97,286
+HK$5,580/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,412/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,002
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,576
−HK$2,612/mo
Today · 4.125%
HK$101,188
baseline
▲ 0.50% · 4.625%
HK$106,522
+HK$5,334/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,376/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,677
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,808
−HK$3,182/mo
Today · 4.125%
HK$106,990
baseline
▲ 0.50% · 4.625%
HK$113,500
+HK$6,510/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$213,980/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,002
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,006
−HK$3,047/mo
Today · 4.125%
HK$118,053
baseline
▲ 0.50% · 4.625%
HK$124,276
+HK$6,223/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,106/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,442
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,468
−HK$4,091/mo
Today · 4.125%
HK$137,559
baseline
▲ 0.50% · 4.625%
HK$145,929
+HK$8,370/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,118/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,003
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$147,865
−HK$3,918/mo
Today · 4.125%
HK$151,783
baseline
▲ 0.50% · 4.625%
HK$159,783
+HK$8,000/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,566/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,316 · Scale 2, in force from 26 Feb 2026)