LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,085
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,296
−HK$2,247/mo
Today · 4.125%
HK$75,543
baseline
▲ 0.50% · 4.625%
HK$80,139
+HK$4,596/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,086/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,081
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,202
−HK$2,152/mo
Today · 4.125%
HK$83,354
baseline
▲ 0.50% · 4.625%
HK$87,748
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,708/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,302
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,955
−HK$2,696/mo
Today · 4.125%
HK$90,651
baseline
▲ 0.50% · 4.625%
HK$96,167
+HK$5,516/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,302/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,898
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,443
−HK$2,582/mo
Today · 4.125%
HK$100,025
baseline
▲ 0.50% · 4.625%
HK$105,297
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,050/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,519
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,615
−HK$3,145/mo
Today · 4.125%
HK$105,760
baseline
▲ 0.50% · 4.625%
HK$112,195
+HK$6,435/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,520/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,714
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,683
−HK$3,012/mo
Today · 4.125%
HK$116,695
baseline
▲ 0.50% · 4.625%
HK$122,847
+HK$6,152/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,390/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,953
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$131,933
−HK$4,044/mo
Today · 4.125%
HK$135,977
baseline
▲ 0.50% · 4.625%
HK$144,251
+HK$8,274/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,954/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,347
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,164
−HK$3,873/mo
Today · 4.125%
HK$150,037
baseline
▲ 0.50% · 4.625%
HK$157,946
+HK$7,909/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,074/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,902 · Scale 2, in force from 26 Feb 2026)