LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,096
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,308
−HK$2,247/mo
Today · 4.125%
HK$75,555
baseline
▲ 0.50% · 4.625%
HK$80,152
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,110/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,325,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,094
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,215
−HK$2,152/mo
Today · 4.125%
HK$83,367
baseline
▲ 0.50% · 4.625%
HK$87,762
+HK$4,395/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$1,325,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,316
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,969
−HK$2,697/mo
Today · 4.125%
HK$90,666
baseline
▲ 0.50% · 4.625%
HK$96,182
+HK$5,516/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,332/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,913
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,458
−HK$2,583/mo
Today · 4.125%
HK$100,041
baseline
▲ 0.50% · 4.625%
HK$105,314
+HK$5,273/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,082/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,535
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,631
−HK$3,146/mo
Today · 4.125%
HK$105,777
baseline
▲ 0.50% · 4.625%
HK$112,213
+HK$6,436/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$211,554/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,732
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,701
−HK$3,013/mo
Today · 4.125%
HK$116,714
baseline
▲ 0.50% · 4.625%
HK$122,866
+HK$6,152/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$233,428/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,973
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,954
−HK$4,045/mo
Today · 4.125%
HK$135,999
baseline
▲ 0.50% · 4.625%
HK$144,274
+HK$8,275/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,998/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,369
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,187
−HK$3,874/mo
Today · 4.125%
HK$150,061
baseline
▲ 0.50% · 4.625%
HK$157,971
+HK$7,910/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,122/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,113 · Scale 2, in force from 26 Feb 2026)