LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,035
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,245
−HK$2,245/mo
Today · 4.125%
HK$75,490
baseline
▲ 0.50% · 4.625%
HK$80,083
+HK$4,593/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,980/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,026
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,145
−HK$2,150/mo
Today · 4.125%
HK$83,295
baseline
▲ 0.50% · 4.625%
HK$87,686
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,590/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,242
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,894
−HK$2,694/mo
Today · 4.125%
HK$90,588
baseline
▲ 0.50% · 4.625%
HK$96,100
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,176/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,831
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,374
−HK$2,581/mo
Today · 4.125%
HK$99,955
baseline
▲ 0.50% · 4.625%
HK$105,223
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,910/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,449
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,543
−HK$3,143/mo
Today · 4.125%
HK$105,686
baseline
▲ 0.50% · 4.625%
HK$112,116
+HK$6,430/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,372/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,636
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,604
−HK$3,010/mo
Today · 4.125%
HK$116,614
baseline
▲ 0.50% · 4.625%
HK$122,761
+HK$6,147/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,228/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,863
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,841
−HK$4,041/mo
Today · 4.125%
HK$135,882
baseline
▲ 0.50% · 4.625%
HK$144,150
+HK$8,268/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,764/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,247
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,062
−HK$3,870/mo
Today · 4.125%
HK$149,932
baseline
▲ 0.50% · 4.625%
HK$157,835
+HK$7,903/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,864/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,973 · Scale 2, in force from 26 Feb 2026)