LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,081
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,292
−HK$2,246/mo
Today · 4.125%
HK$75,538
baseline
▲ 0.50% · 4.625%
HK$80,135
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,076/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,077
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,151/mo
Today · 4.125%
HK$83,349
baseline
▲ 0.50% · 4.625%
HK$87,742
+HK$4,393/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,698/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,297
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,950
−HK$2,696/mo
Today · 4.125%
HK$90,646
baseline
▲ 0.50% · 4.625%
HK$96,161
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,292/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,892
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,437
−HK$2,582/mo
Today · 4.125%
HK$100,019
baseline
▲ 0.50% · 4.625%
HK$105,291
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,038/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,513
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,609
−HK$3,145/mo
Today · 4.125%
HK$105,754
baseline
▲ 0.50% · 4.625%
HK$112,188
+HK$6,434/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,508/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,707
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,677
−HK$3,012/mo
Today · 4.125%
HK$116,689
baseline
▲ 0.50% · 4.625%
HK$122,839
+HK$6,150/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,378/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,945
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$131,925
−HK$4,044/mo
Today · 4.125%
HK$135,969
baseline
▲ 0.50% · 4.625%
HK$144,242
+HK$8,273/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,938/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,338
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,156
−HK$3,872/mo
Today · 4.125%
HK$150,028
baseline
▲ 0.50% · 4.625%
HK$157,936
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,056/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,823 · Scale 2, in force from 26 Feb 2026)