LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,078
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,289
−HK$2,246/mo
Today · 4.125%
HK$75,535
baseline
▲ 0.50% · 4.625%
HK$80,132
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,070/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,074
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,194
−HK$2,152/mo
Today · 4.125%
HK$83,346
baseline
▲ 0.50% · 4.625%
HK$87,739
+HK$4,393/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,692/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,294
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,947
−HK$2,696/mo
Today · 4.125%
HK$90,643
baseline
▲ 0.50% · 4.625%
HK$96,158
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,286/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,889
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,433
−HK$2,582/mo
Today · 4.125%
HK$100,015
baseline
▲ 0.50% · 4.625%
HK$105,287
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,030/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,509
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,605
−HK$3,145/mo
Today · 4.125%
HK$105,750
baseline
▲ 0.50% · 4.625%
HK$112,184
+HK$6,434/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,500/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,703
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,672
−HK$3,012/mo
Today · 4.125%
HK$116,684
baseline
▲ 0.50% · 4.625%
HK$122,835
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,368/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,941
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,920
−HK$4,044/mo
Today · 4.125%
HK$135,964
baseline
▲ 0.50% · 4.625%
HK$144,237
+HK$8,273/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,928/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,333
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,150
−HK$3,873/mo
Today · 4.125%
HK$150,023
baseline
▲ 0.50% · 4.625%
HK$157,931
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,046/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,774 · Scale 2, in force from 26 Feb 2026)