LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,090
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,301
−HK$2,247/mo
Today · 4.125%
HK$75,548
baseline
▲ 0.50% · 4.625%
HK$80,145
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,096/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,087
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,208
−HK$2,152/mo
Today · 4.125%
HK$83,360
baseline
▲ 0.50% · 4.625%
HK$87,754
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,720/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,308
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,961
−HK$2,696/mo
Today · 4.125%
HK$90,657
baseline
▲ 0.50% · 4.625%
HK$96,174
+HK$5,517/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,314/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,904
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,449
−HK$2,583/mo
Today · 4.125%
HK$100,032
baseline
▲ 0.50% · 4.625%
HK$105,304
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,064/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,526
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,622
−HK$3,145/mo
Today · 4.125%
HK$105,767
baseline
▲ 0.50% · 4.625%
HK$112,203
+HK$6,436/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,534/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,722
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,691
−HK$3,013/mo
Today · 4.125%
HK$116,704
baseline
▲ 0.50% · 4.625%
HK$122,855
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,408/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,962
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$131,942
−HK$4,044/mo
Today · 4.125%
HK$135,986
baseline
▲ 0.50% · 4.625%
HK$144,261
+HK$8,275/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,972/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,356
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$146,174
−HK$3,873/mo
Today · 4.125%
HK$150,047
baseline
▲ 0.50% · 4.625%
HK$157,957
+HK$7,910/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,094/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,993 · Scale 2, in force from 26 Feb 2026)