LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,009
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,218
−HK$2,244/mo
Today · 4.125%
HK$75,462
baseline
▲ 0.50% · 4.625%
HK$80,053
+HK$4,591/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,924/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,997
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,115
−HK$2,150/mo
Today · 4.125%
HK$83,265
baseline
▲ 0.50% · 4.625%
HK$87,654
+HK$4,389/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,530/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,211
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,861
−HK$2,693/mo
Today · 4.125%
HK$90,554
baseline
▲ 0.50% · 4.625%
HK$96,064
+HK$5,510/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$181,108/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,796
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,338
−HK$2,580/mo
Today · 4.125%
HK$99,918
baseline
▲ 0.50% · 4.625%
HK$105,184
+HK$5,266/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$199,836/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,412
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,505
−HK$3,141/mo
Today · 4.125%
HK$105,646
baseline
▲ 0.50% · 4.625%
HK$112,075
+HK$6,429/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,292/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,595
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,561
−HK$3,009/mo
Today · 4.125%
HK$116,570
baseline
▲ 0.50% · 4.625%
HK$122,715
+HK$6,145/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,140/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,816
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,792
−HK$4,039/mo
Today · 4.125%
HK$135,831
baseline
▲ 0.50% · 4.625%
HK$144,096
+HK$8,265/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,662/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,194
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$146,008
−HK$3,868/mo
Today · 4.125%
HK$149,876
baseline
▲ 0.50% · 4.625%
HK$157,776
+HK$7,900/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,752/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,482 · Scale 2, in force from 26 Feb 2026)