LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,973
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,180
−HK$2,243/mo
Today · 4.125%
HK$75,423
baseline
▲ 0.50% · 4.625%
HK$80,012
+HK$4,589/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,846/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,956
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,074
−HK$2,148/mo
Today · 4.125%
HK$83,222
baseline
▲ 0.50% · 4.625%
HK$87,609
+HK$4,387/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,444/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,167
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,816
−HK$2,692/mo
Today · 4.125%
HK$90,508
baseline
▲ 0.50% · 4.625%
HK$96,015
+HK$5,507/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$181,016/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,747
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,289
−HK$2,577/mo
Today · 4.125%
HK$99,866
baseline
▲ 0.50% · 4.625%
HK$105,130
+HK$5,264/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,732/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,362
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,452
−HK$3,140/mo
Today · 4.125%
HK$105,592
baseline
▲ 0.50% · 4.625%
HK$112,017
+HK$6,425/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,184/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,539
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,503
−HK$3,008/mo
Today · 4.125%
HK$116,511
baseline
▲ 0.50% · 4.625%
HK$122,652
+HK$6,141/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,022/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,751
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$131,724
−HK$4,038/mo
Today · 4.125%
HK$135,762
baseline
▲ 0.50% · 4.625%
HK$144,022
+HK$8,260/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,524/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,121
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,933
−HK$3,867/mo
Today · 4.125%
HK$149,800
baseline
▲ 0.50% · 4.625%
HK$157,696
+HK$7,896/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,600/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,804 · Scale 2, in force from 26 Feb 2026)