LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,004
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,213
−HK$2,244/mo
Today · 4.125%
HK$75,457
baseline
▲ 0.50% · 4.625%
HK$80,048
+HK$4,591/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,914/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,991
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,110
−HK$2,149/mo
Today · 4.125%
HK$83,259
baseline
▲ 0.50% · 4.625%
HK$87,648
+HK$4,389/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,518/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,205
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,855
−HK$2,693/mo
Today · 4.125%
HK$90,548
baseline
▲ 0.50% · 4.625%
HK$96,058
+HK$5,510/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$181,096/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,790
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,332
−HK$2,579/mo
Today · 4.125%
HK$99,911
baseline
▲ 0.50% · 4.625%
HK$105,177
+HK$5,266/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$199,822/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,406
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,498
−HK$3,141/mo
Today · 4.125%
HK$105,639
baseline
▲ 0.50% · 4.625%
HK$112,067
+HK$6,428/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,278/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,588
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,554
−HK$3,009/mo
Today · 4.125%
HK$116,563
baseline
▲ 0.50% · 4.625%
HK$122,707
+HK$6,144/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,126/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,807
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,783
−HK$4,039/mo
Today · 4.125%
HK$135,822
baseline
▲ 0.50% · 4.625%
HK$144,087
+HK$8,265/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,644/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,184
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$145,998
−HK$3,868/mo
Today · 4.125%
HK$149,866
baseline
▲ 0.50% · 4.625%
HK$157,766
+HK$7,900/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,732/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,393 · Scale 2, in force from 26 Feb 2026)