LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,968
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,176
−HK$2,243/mo
Today · 4.125%
HK$75,419
baseline
▲ 0.50% · 4.625%
HK$80,008
+HK$4,589/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,838/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,951
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,069
−HK$2,148/mo
Today · 4.125%
HK$83,217
baseline
▲ 0.50% · 4.625%
HK$87,603
+HK$4,386/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,434/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,162
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,811
−HK$2,691/mo
Today · 4.125%
HK$90,502
baseline
▲ 0.50% · 4.625%
HK$96,009
+HK$5,507/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$181,004/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,742
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,283
−HK$2,577/mo
Today · 4.125%
HK$99,860
baseline
▲ 0.50% · 4.625%
HK$105,124
+HK$5,264/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,720/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,356
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,446
−HK$3,140/mo
Today · 4.125%
HK$105,586
baseline
▲ 0.50% · 4.625%
HK$112,011
+HK$6,425/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,172/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,532
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,496
−HK$3,008/mo
Today · 4.125%
HK$116,504
baseline
▲ 0.50% · 4.625%
HK$122,645
+HK$6,141/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,008/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,743
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$131,716
−HK$4,037/mo
Today · 4.125%
HK$135,753
baseline
▲ 0.50% · 4.625%
HK$144,014
+HK$8,261/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,506/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,113
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,924
−HK$3,866/mo
Today · 4.125%
HK$149,790
baseline
▲ 0.50% · 4.625%
HK$157,686
+HK$7,896/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,580/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,724 · Scale 2, in force from 26 Feb 2026)