LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,920
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,157
−HK$2,273/mo
Today · 4.125%
HK$76,430
baseline
▲ 0.50% · 4.625%
HK$81,081
+HK$4,651/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,860/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,010
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,156
−HK$2,177/mo
Today · 4.125%
HK$84,333
baseline
▲ 0.50% · 4.625%
HK$88,778
+HK$4,445/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,666/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,304
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,989
−HK$2,727/mo
Today · 4.125%
HK$91,716
baseline
▲ 0.50% · 4.625%
HK$97,297
+HK$5,581/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$183,432/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,012
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,587
−HK$2,613/mo
Today · 4.125%
HK$101,200
baseline
▲ 0.50% · 4.625%
HK$106,534
+HK$5,334/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$202,400/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,688
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,820
−HK$3,182/mo
Today · 4.125%
HK$107,002
baseline
▲ 0.50% · 4.625%
HK$113,513
+HK$6,511/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$214,004/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,015
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,019
−HK$3,047/mo
Today · 4.125%
HK$118,066
baseline
▲ 0.50% · 4.625%
HK$124,290
+HK$6,224/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,132/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,456
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,483
−HK$4,091/mo
Today · 4.125%
HK$137,574
baseline
▲ 0.50% · 4.625%
HK$145,945
+HK$8,371/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,148/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,019
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,881
−HK$3,919/mo
Today · 4.125%
HK$151,800
baseline
▲ 0.50% · 4.625%
HK$159,801
+HK$8,001/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,600/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,466 · Scale 2, in force from 26 Feb 2026)