LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,013
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,222
−HK$2,244/mo
Today · 4.125%
HK$75,466
baseline
▲ 0.50% · 4.625%
HK$80,058
+HK$4,592/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,932/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,001
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,120
−HK$2,150/mo
Today · 4.125%
HK$83,270
baseline
▲ 0.50% · 4.625%
HK$87,659
+HK$4,389/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,540/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,216
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,866
−HK$2,693/mo
Today · 4.125%
HK$90,559
baseline
▲ 0.50% · 4.625%
HK$96,070
+HK$5,511/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,118/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,802
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,344
−HK$2,579/mo
Today · 4.125%
HK$99,923
baseline
▲ 0.50% · 4.625%
HK$105,191
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,846/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,418
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,511
−HK$3,142/mo
Today · 4.125%
HK$105,653
baseline
▲ 0.50% · 4.625%
HK$112,081
+HK$6,428/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,306/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,602
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,568
−HK$3,009/mo
Today · 4.125%
HK$116,577
baseline
▲ 0.50% · 4.625%
HK$122,722
+HK$6,145/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,154/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,824
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,800
−HK$4,039/mo
Today · 4.125%
HK$135,839
baseline
▲ 0.50% · 4.625%
HK$144,105
+HK$8,266/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,678/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,202
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$146,016
−HK$3,869/mo
Today · 4.125%
HK$149,885
baseline
▲ 0.50% · 4.625%
HK$157,786
+HK$7,901/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,770/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,560 · Scale 2, in force from 26 Feb 2026)