LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,112
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,324
−HK$2,248/mo
Today · 4.125%
HK$75,572
baseline
▲ 0.50% · 4.625%
HK$80,170
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,144/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,112
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,233
−HK$2,153/mo
Today · 4.125%
HK$83,386
baseline
▲ 0.50% · 4.625%
HK$87,781
+HK$4,395/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,772/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,335
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,989
−HK$2,697/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$96,204
+HK$5,518/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,934
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,480
−HK$2,583/mo
Today · 4.125%
HK$100,063
baseline
▲ 0.50% · 4.625%
HK$105,337
+HK$5,274/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,126/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,557
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,654
−HK$3,146/mo
Today · 4.125%
HK$105,800
baseline
▲ 0.50% · 4.625%
HK$112,238
+HK$6,438/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,600/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,756
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,727
−HK$3,013/mo
Today · 4.125%
HK$116,740
baseline
▲ 0.50% · 4.625%
HK$122,894
+HK$6,154/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,480/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,002
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,984
−HK$4,045/mo
Today · 4.125%
HK$136,029
baseline
▲ 0.50% · 4.625%
HK$144,306
+HK$8,277/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,058/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,401
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,220
−HK$3,875/mo
Today · 4.125%
HK$150,095
baseline
▲ 0.50% · 4.625%
HK$158,006
+HK$7,911/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,190/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,409 · Scale 2, in force from 26 Feb 2026)