LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,038
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,248
−HK$2,245/mo
Today · 4.125%
HK$75,493
baseline
▲ 0.50% · 4.625%
HK$80,086
+HK$4,593/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,986/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,029
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,149
−HK$2,150/mo
Today · 4.125%
HK$83,299
baseline
▲ 0.50% · 4.625%
HK$87,690
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,598/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,246
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,897
−HK$2,694/mo
Today · 4.125%
HK$90,591
baseline
▲ 0.50% · 4.625%
HK$96,104
+HK$5,513/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,182/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,835
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,378
−HK$2,581/mo
Today · 4.125%
HK$99,959
baseline
▲ 0.50% · 4.625%
HK$105,228
+HK$5,269/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,918/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,453
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,547
−HK$3,143/mo
Today · 4.125%
HK$105,690
baseline
▲ 0.50% · 4.625%
HK$112,121
+HK$6,431/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,380/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,641
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,608
−HK$3,010/mo
Today · 4.125%
HK$116,618
baseline
▲ 0.50% · 4.625%
HK$122,766
+HK$6,148/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,236/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,869
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,846
−HK$4,041/mo
Today · 4.125%
HK$135,887
baseline
▲ 0.50% · 4.625%
HK$144,156
+HK$8,269/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,774/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,253
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,068
−HK$3,870/mo
Today · 4.125%
HK$149,938
baseline
▲ 0.50% · 4.625%
HK$157,841
+HK$7,903/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,876/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,027 · Scale 2, in force from 26 Feb 2026)