LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,987
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,195
−HK$2,244/mo
Today · 4.125%
HK$75,439
baseline
▲ 0.50% · 4.625%
HK$80,029
+HK$4,590/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,878/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,973
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,091
−HK$2,148/mo
Today · 4.125%
HK$83,239
baseline
▲ 0.50% · 4.625%
HK$87,627
+HK$4,388/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,478/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,185
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,834
−HK$2,692/mo
Today · 4.125%
HK$90,526
baseline
▲ 0.50% · 4.625%
HK$96,035
+HK$5,509/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,052/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,767
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,309
−HK$2,578/mo
Today · 4.125%
HK$99,887
baseline
▲ 0.50% · 4.625%
HK$105,152
+HK$5,265/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,774/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,382
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,473
−HK$3,141/mo
Today · 4.125%
HK$105,614
baseline
▲ 0.50% · 4.625%
HK$112,041
+HK$6,427/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,228/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,562
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,527
−HK$3,008/mo
Today · 4.125%
HK$116,535
baseline
▲ 0.50% · 4.625%
HK$122,678
+HK$6,143/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,070/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,777
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,752
−HK$4,038/mo
Today · 4.125%
HK$135,790
baseline
▲ 0.50% · 4.625%
HK$144,052
+HK$8,262/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,580/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,151
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,963
−HK$3,868/mo
Today · 4.125%
HK$149,831
baseline
▲ 0.50% · 4.625%
HK$157,728
+HK$7,897/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,662/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,078 · Scale 2, in force from 26 Feb 2026)