LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,075
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,286
−HK$2,246/mo
Today · 4.125%
HK$75,532
baseline
▲ 0.50% · 4.625%
HK$80,128
+HK$4,596/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,064/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,070
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,191
−HK$2,151/mo
Today · 4.125%
HK$83,342
baseline
▲ 0.50% · 4.625%
HK$87,735
+HK$4,393/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,684/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,290
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,943
−HK$2,696/mo
Today · 4.125%
HK$90,639
baseline
▲ 0.50% · 4.625%
HK$96,154
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,278/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,884
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,429
−HK$2,582/mo
Today · 4.125%
HK$100,011
baseline
▲ 0.50% · 4.625%
HK$105,282
+HK$5,271/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,022/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,505
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,600
−HK$3,145/mo
Today · 4.125%
HK$105,745
baseline
▲ 0.50% · 4.625%
HK$112,179
+HK$6,434/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,490/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,699
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,667
−HK$3,012/mo
Today · 4.125%
HK$116,679
baseline
▲ 0.50% · 4.625%
HK$122,830
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,358/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,935
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,915
−HK$4,043/mo
Today · 4.125%
HK$135,958
baseline
▲ 0.50% · 4.625%
HK$144,231
+HK$8,273/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,916/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,327
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,144
−HK$3,872/mo
Today · 4.125%
HK$150,016
baseline
▲ 0.50% · 4.625%
HK$157,924
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,032/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,717 · Scale 2, in force from 26 Feb 2026)