LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,093
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,304
−HK$2,247/mo
Today · 4.125%
HK$75,551
baseline
▲ 0.50% · 4.625%
HK$80,148
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,102/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,090
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,211
−HK$2,152/mo
Today · 4.125%
HK$83,363
baseline
▲ 0.50% · 4.625%
HK$87,757
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,726/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,312
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,965
−HK$2,696/mo
Today · 4.125%
HK$90,661
baseline
▲ 0.50% · 4.625%
HK$96,178
+HK$5,517/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,322/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,908
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,454
−HK$2,582/mo
Today · 4.125%
HK$100,036
baseline
▲ 0.50% · 4.625%
HK$105,309
+HK$5,273/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,072/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,530
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,626
−HK$3,146/mo
Today · 4.125%
HK$105,772
baseline
▲ 0.50% · 4.625%
HK$112,208
+HK$6,436/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,544/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,726
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,696
−HK$3,012/mo
Today · 4.125%
HK$116,708
baseline
▲ 0.50% · 4.625%
HK$122,860
+HK$6,152/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,416/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,967
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,948
−HK$4,044/mo
Today · 4.125%
HK$135,992
baseline
▲ 0.50% · 4.625%
HK$144,267
+HK$8,275/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,984/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,362
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,180
−HK$3,874/mo
Today · 4.125%
HK$150,054
baseline
▲ 0.50% · 4.625%
HK$157,963
+HK$7,909/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,108/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,049 · Scale 2, in force from 26 Feb 2026)