LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,986
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,226
−HK$2,275/mo
Today · 4.125%
HK$76,501
baseline
▲ 0.50% · 4.625%
HK$81,155
+HK$4,654/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$153,002/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,084
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,232
−HK$2,179/mo
Today · 4.125%
HK$84,411
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$4,449/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,822/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,384
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,071
−HK$2,730/mo
Today · 4.125%
HK$91,801
baseline
▲ 0.50% · 4.625%
HK$97,387
+HK$5,586/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,602/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,101
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,678
−HK$2,615/mo
Today · 4.125%
HK$101,293
baseline
▲ 0.50% · 4.625%
HK$106,632
+HK$5,339/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,586/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,781
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,916
−HK$3,185/mo
Today · 4.125%
HK$107,101
baseline
▲ 0.50% · 4.625%
HK$113,618
+HK$6,517/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,202/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,118
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,125
−HK$3,050/mo
Today · 4.125%
HK$118,175
baseline
▲ 0.50% · 4.625%
HK$124,404
+HK$6,229/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,350/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,576
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,606
−HK$4,095/mo
Today · 4.125%
HK$137,701
baseline
▲ 0.50% · 4.625%
HK$146,080
+HK$8,379/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,402/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,151
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,018
−HK$3,921/mo
Today · 4.125%
HK$151,939
baseline
▲ 0.50% · 4.625%
HK$159,948
+HK$8,009/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,878/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,701 · Scale 2, in force from 26 Feb 2026)