LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,045
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,254
−HK$2,246/mo
Today · 4.125%
HK$75,500
baseline
▲ 0.50% · 4.625%
HK$80,094
+HK$4,594/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,000/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,036
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,156
−HK$2,150/mo
Today · 4.125%
HK$83,306
baseline
▲ 0.50% · 4.625%
HK$87,698
+HK$4,392/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,612/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,254
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,905
−HK$2,695/mo
Today · 4.125%
HK$90,600
baseline
▲ 0.50% · 4.625%
HK$96,112
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,200/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,844
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,387
−HK$2,581/mo
Today · 4.125%
HK$99,968
baseline
▲ 0.50% · 4.625%
HK$105,237
+HK$5,269/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,936/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,462
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,556
−HK$3,144/mo
Today · 4.125%
HK$105,700
baseline
▲ 0.50% · 4.625%
HK$112,131
+HK$6,431/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,400/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,651
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,619
−HK$3,010/mo
Today · 4.125%
HK$116,629
baseline
▲ 0.50% · 4.625%
HK$122,777
+HK$6,148/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,258/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,880
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,858
−HK$4,041/mo
Today · 4.125%
HK$135,899
baseline
▲ 0.50% · 4.625%
HK$144,169
+HK$8,270/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,798/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,266
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$146,081
−HK$3,871/mo
Today · 4.125%
HK$149,952
baseline
▲ 0.50% · 4.625%
HK$157,856
+HK$7,904/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,904/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,148 · Scale 2, in force from 26 Feb 2026)