LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,071
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,282
−HK$2,246/mo
Today · 4.125%
HK$75,528
baseline
▲ 0.50% · 4.625%
HK$80,123
+HK$4,595/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,056/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,066
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,186
−HK$2,151/mo
Today · 4.125%
HK$83,337
baseline
▲ 0.50% · 4.625%
HK$87,730
+HK$4,393/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,674/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,285
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,938
−HK$2,695/mo
Today · 4.125%
HK$90,633
baseline
▲ 0.50% · 4.625%
HK$96,148
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,266/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,879
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,423
−HK$2,582/mo
Today · 4.125%
HK$100,005
baseline
▲ 0.50% · 4.625%
HK$105,276
+HK$5,271/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,010/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,499
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,594
−HK$3,145/mo
Today · 4.125%
HK$105,739
baseline
▲ 0.50% · 4.625%
HK$112,173
+HK$6,434/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,478/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,692
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,661
−HK$3,011/mo
Today · 4.125%
HK$116,672
baseline
▲ 0.50% · 4.625%
HK$122,822
+HK$6,150/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,344/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,928
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,907
−HK$4,043/mo
Today · 4.125%
HK$135,950
baseline
▲ 0.50% · 4.625%
HK$144,222
+HK$8,272/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,900/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,318
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,135
−HK$3,872/mo
Today · 4.125%
HK$150,007
baseline
▲ 0.50% · 4.625%
HK$157,914
+HK$7,907/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,014/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,639 · Scale 2, in force from 26 Feb 2026)