LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,096
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,307
−HK$2,247/mo
Today · 4.125%
HK$75,554
baseline
▲ 0.50% · 4.625%
HK$80,151
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,108/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,093
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,215
−HK$2,152/mo
Today · 4.125%
HK$83,367
baseline
▲ 0.50% · 4.625%
HK$87,761
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,734/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,315
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,969
−HK$2,696/mo
Today · 4.125%
HK$90,665
baseline
▲ 0.50% · 4.625%
HK$96,182
+HK$5,517/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,330/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,912
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,458
−HK$2,582/mo
Today · 4.125%
HK$100,040
baseline
▲ 0.50% · 4.625%
HK$105,313
+HK$5,273/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,080/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,534
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,630
−HK$3,146/mo
Today · 4.125%
HK$105,776
baseline
▲ 0.50% · 4.625%
HK$112,212
+HK$6,436/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$211,552/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,731
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,701
−HK$3,012/mo
Today · 4.125%
HK$116,713
baseline
▲ 0.50% · 4.625%
HK$122,865
+HK$6,152/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$233,426/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,973
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,953
−HK$4,045/mo
Today · 4.125%
HK$135,998
baseline
▲ 0.50% · 4.625%
HK$144,273
+HK$8,275/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,996/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,368
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,186
−HK$3,874/mo
Today · 4.125%
HK$150,060
baseline
▲ 0.50% · 4.625%
HK$157,970
+HK$7,910/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,120/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,103 · Scale 2, in force from 26 Feb 2026)