LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,095
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,306
−HK$2,247/mo
Today · 4.125%
HK$75,553
baseline
▲ 0.50% · 4.625%
HK$80,151
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,106/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,093
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,214
−HK$2,152/mo
Today · 4.125%
HK$83,366
baseline
▲ 0.50% · 4.625%
HK$87,760
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,732/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,314
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,968
−HK$2,696/mo
Today · 4.125%
HK$90,664
baseline
▲ 0.50% · 4.625%
HK$96,181
+HK$5,517/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,328/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,911
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,456
−HK$2,583/mo
Today · 4.125%
HK$100,039
baseline
▲ 0.50% · 4.625%
HK$105,312
+HK$5,273/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,078/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,533
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,629
−HK$3,146/mo
Today · 4.125%
HK$105,775
baseline
▲ 0.50% · 4.625%
HK$112,211
+HK$6,436/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,550/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,730
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,699
−HK$3,013/mo
Today · 4.125%
HK$116,712
baseline
▲ 0.50% · 4.625%
HK$122,864
+HK$6,152/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,424/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,971
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,952
−HK$4,044/mo
Today · 4.125%
HK$135,996
baseline
▲ 0.50% · 4.625%
HK$144,271
+HK$8,275/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,992/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,367
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$146,185
−HK$3,873/mo
Today · 4.125%
HK$150,058
baseline
▲ 0.50% · 4.625%
HK$157,968
+HK$7,910/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,116/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,088 · Scale 2, in force from 26 Feb 2026)