LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,974
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,181
−HK$2,243/mo
Today · 4.125%
HK$75,424
baseline
▲ 0.50% · 4.625%
HK$80,014
+HK$4,590/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,848/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,957
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,075
−HK$2,148/mo
Today · 4.125%
HK$83,223
baseline
▲ 0.50% · 4.625%
HK$87,610
+HK$4,387/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,446/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,168
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,818
−HK$2,691/mo
Today · 4.125%
HK$90,509
baseline
▲ 0.50% · 4.625%
HK$96,016
+HK$5,507/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,018/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,749
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,290
−HK$2,578/mo
Today · 4.125%
HK$99,868
baseline
▲ 0.50% · 4.625%
HK$105,132
+HK$5,264/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,736/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,363
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,454
−HK$3,140/mo
Today · 4.125%
HK$105,594
baseline
▲ 0.50% · 4.625%
HK$112,019
+HK$6,425/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,188/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,540
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,505
−HK$3,008/mo
Today · 4.125%
HK$116,513
baseline
▲ 0.50% · 4.625%
HK$122,654
+HK$6,141/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,026/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,753
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$131,726
−HK$4,038/mo
Today · 4.125%
HK$135,764
baseline
▲ 0.50% · 4.625%
HK$144,025
+HK$8,261/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,528/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,123
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,935
−HK$3,867/mo
Today · 4.125%
HK$149,802
baseline
▲ 0.50% · 4.625%
HK$157,698
+HK$7,896/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,604/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,825 · Scale 2, in force from 26 Feb 2026)