LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,014
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,223
−HK$2,244/mo
Today · 4.125%
HK$75,467
baseline
▲ 0.50% · 4.625%
HK$80,059
+HK$4,592/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,934/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,002
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,121
−HK$2,149/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$1,323,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,216
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,867
−HK$2,693/mo
Today · 4.125%
HK$90,560
baseline
▲ 0.50% · 4.625%
HK$96,071
+HK$5,511/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,120/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,802
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,345
−HK$2,579/mo
Today · 4.125%
HK$99,924
baseline
▲ 0.50% · 4.625%
HK$105,191
+HK$5,267/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,848/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,419
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,512
−HK$3,142/mo
Today · 4.125%
HK$105,654
baseline
▲ 0.50% · 4.625%
HK$112,082
+HK$6,428/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,308/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,603
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,569
−HK$3,009/mo
Today · 4.125%
HK$116,578
baseline
▲ 0.50% · 4.625%
HK$122,723
+HK$6,145/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,156/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,825
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,801
−HK$4,039/mo
Today · 4.125%
HK$135,840
baseline
▲ 0.50% · 4.625%
HK$144,106
+HK$8,266/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,680/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,204
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$146,017
−HK$3,869/mo
Today · 4.125%
HK$149,886
baseline
▲ 0.50% · 4.625%
HK$157,787
+HK$7,901/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,772/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,571 · Scale 2, in force from 26 Feb 2026)