LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,995
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,203
−HK$2,244/mo
Today · 4.125%
HK$75,447
baseline
▲ 0.50% · 4.625%
HK$80,038
+HK$4,591/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,894/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,981
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,099
−HK$2,149/mo
Today · 4.125%
HK$83,248
baseline
▲ 0.50% · 4.625%
HK$87,636
+HK$4,388/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,496/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,194
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,844
−HK$2,692/mo
Today · 4.125%
HK$90,536
baseline
▲ 0.50% · 4.625%
HK$96,045
+HK$5,509/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,072/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,777
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,319
−HK$2,579/mo
Today · 4.125%
HK$99,898
baseline
▲ 0.50% · 4.625%
HK$105,164
+HK$5,266/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,796/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,393
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,485
−HK$3,141/mo
Today · 4.125%
HK$105,626
baseline
▲ 0.50% · 4.625%
HK$112,053
+HK$6,427/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,252/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,574
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,539
−HK$3,008/mo
Today · 4.125%
HK$116,547
baseline
▲ 0.50% · 4.625%
HK$122,691
+HK$6,144/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,094/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,791
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,766
−HK$4,038/mo
Today · 4.125%
HK$135,804
baseline
▲ 0.50% · 4.625%
HK$144,068
+HK$8,264/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,608/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,166
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$145,979
−HK$3,868/mo
Today · 4.125%
HK$149,847
baseline
▲ 0.50% · 4.625%
HK$157,745
+HK$7,898/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,694/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,221 · Scale 2, in force from 26 Feb 2026)