LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,082
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,293
−HK$2,247/mo
Today · 4.125%
HK$75,540
baseline
▲ 0.50% · 4.625%
HK$80,136
+HK$4,596/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,080/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,078
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,199
−HK$2,151/mo
Today · 4.125%
HK$83,350
baseline
▲ 0.50% · 4.625%
HK$87,744
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,700/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,299
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,952
−HK$2,695/mo
Today · 4.125%
HK$90,647
baseline
▲ 0.50% · 4.625%
HK$96,163
+HK$5,516/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,294/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,894
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,439
−HK$2,582/mo
Today · 4.125%
HK$100,021
baseline
▲ 0.50% · 4.625%
HK$105,293
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,042/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,515
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,610
−HK$3,145/mo
Today · 4.125%
HK$105,755
baseline
▲ 0.50% · 4.625%
HK$112,190
+HK$6,435/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,510/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,709
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,679
−HK$3,012/mo
Today · 4.125%
HK$116,691
baseline
▲ 0.50% · 4.625%
HK$122,842
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,382/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,948
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,928
−HK$4,043/mo
Today · 4.125%
HK$135,971
baseline
▲ 0.50% · 4.625%
HK$144,245
+HK$8,274/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,942/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,341
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,158
−HK$3,873/mo
Today · 4.125%
HK$150,031
baseline
▲ 0.50% · 4.625%
HK$157,939
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,062/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,847 · Scale 2, in force from 26 Feb 2026)