LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,080
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,291
−HK$2,246/mo
Today · 4.125%
HK$75,537
baseline
▲ 0.50% · 4.625%
HK$80,134
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,074/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,076
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,197
−HK$2,151/mo
Today · 4.125%
HK$83,348
baseline
▲ 0.50% · 4.625%
HK$87,741
+HK$4,393/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,696/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,296
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,949
−HK$2,696/mo
Today · 4.125%
HK$90,645
baseline
▲ 0.50% · 4.625%
HK$96,160
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,290/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,891
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,436
−HK$2,582/mo
Today · 4.125%
HK$100,018
baseline
▲ 0.50% · 4.625%
HK$105,290
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,036/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,512
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,607
−HK$3,145/mo
Today · 4.125%
HK$105,752
baseline
▲ 0.50% · 4.625%
HK$112,187
+HK$6,435/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,504/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,706
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,675
−HK$3,012/mo
Today · 4.125%
HK$116,687
baseline
▲ 0.50% · 4.625%
HK$122,838
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,374/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,944
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,924
−HK$4,043/mo
Today · 4.125%
HK$135,967
baseline
▲ 0.50% · 4.625%
HK$144,241
+HK$8,274/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,934/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,336
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,154
−HK$3,872/mo
Today · 4.125%
HK$150,026
baseline
▲ 0.50% · 4.625%
HK$157,935
+HK$7,909/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,052/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,808 · Scale 2, in force from 26 Feb 2026)