LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,023
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,233
−HK$2,244/mo
Today · 4.125%
HK$75,477
baseline
▲ 0.50% · 4.625%
HK$80,070
+HK$4,593/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,954/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,013
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,132
−HK$2,150/mo
Today · 4.125%
HK$83,282
baseline
▲ 0.50% · 4.625%
HK$87,671
+HK$4,389/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,564/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,228
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,879
−HK$2,693/mo
Today · 4.125%
HK$90,572
baseline
▲ 0.50% · 4.625%
HK$96,084
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,144/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,815
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,358
−HK$2,580/mo
Today · 4.125%
HK$99,938
baseline
▲ 0.50% · 4.625%
HK$105,206
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,876/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,433
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,526
−HK$3,142/mo
Today · 4.125%
HK$105,668
baseline
▲ 0.50% · 4.625%
HK$112,098
+HK$6,430/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,336/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,618
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,584
−HK$3,010/mo
Today · 4.125%
HK$116,594
baseline
▲ 0.50% · 4.625%
HK$122,740
+HK$6,146/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,188/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,842
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$131,819
−HK$4,040/mo
Today · 4.125%
HK$135,859
baseline
▲ 0.50% · 4.625%
HK$144,125
+HK$8,266/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,718/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,223
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$146,037
−HK$3,870/mo
Today · 4.125%
HK$149,907
baseline
▲ 0.50% · 4.625%
HK$157,809
+HK$7,902/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,814/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,751 · Scale 2, in force from 26 Feb 2026)