LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,032
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,242
−HK$2,245/mo
Today · 4.125%
HK$75,487
baseline
▲ 0.50% · 4.625%
HK$80,080
+HK$4,593/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,974/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,023
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,142
−HK$2,150/mo
Today · 4.125%
HK$83,292
baseline
▲ 0.50% · 4.625%
HK$87,683
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,584/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,239
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,890
−HK$2,694/mo
Today · 4.125%
HK$90,584
baseline
▲ 0.50% · 4.625%
HK$96,096
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,168/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,827
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,371
−HK$2,580/mo
Today · 4.125%
HK$99,951
baseline
▲ 0.50% · 4.625%
HK$105,219
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,902/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,445
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,539
−HK$3,143/mo
Today · 4.125%
HK$105,682
baseline
▲ 0.50% · 4.625%
HK$112,112
+HK$6,430/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,364/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,632
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,599
−HK$3,010/mo
Today · 4.125%
HK$116,609
baseline
▲ 0.50% · 4.625%
HK$122,756
+HK$6,147/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,218/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,858
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,836
−HK$4,040/mo
Today · 4.125%
HK$135,876
baseline
▲ 0.50% · 4.625%
HK$144,144
+HK$8,268/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,752/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,241
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,056
−HK$3,870/mo
Today · 4.125%
HK$149,926
baseline
▲ 0.50% · 4.625%
HK$157,829
+HK$7,903/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,852/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,921 · Scale 2, in force from 26 Feb 2026)