LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,085
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,297
−HK$2,246/mo
Today · 4.125%
HK$75,543
baseline
▲ 0.50% · 4.625%
HK$80,140
+HK$4,597/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$1,324,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,082
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,203
−HK$2,151/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$1,324,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,302
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,956
−HK$2,696/mo
Today · 4.125%
HK$90,652
baseline
▲ 0.50% · 4.625%
HK$96,168
+HK$5,516/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,304/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,907 · 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$105,298
+HK$5,273/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$1,324,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,520
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,615
−HK$3,145/mo
Today · 4.125%
HK$105,760
baseline
▲ 0.50% · 4.625%
HK$112,196
+HK$6,436/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$1,324,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,714
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,684
−HK$3,012/mo
Today · 4.125%
HK$116,696
baseline
▲ 0.50% · 4.625%
HK$122,847
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,392/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,954
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,934
−HK$4,043/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$1,324,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,347
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$146,165
−HK$3,873/mo
Today · 4.125%
HK$150,038
baseline
▲ 0.50% · 4.625%
HK$157,946
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,076/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,907 · Scale 2, in force from 26 Feb 2026)