LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,127
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,339
−HK$2,248/mo
Today · 4.125%
HK$75,587
baseline
▲ 0.50% · 4.625%
HK$80,186
+HK$4,599/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,174/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,128
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,250
−HK$2,153/mo
Today · 4.125%
HK$83,403
baseline
▲ 0.50% · 4.625%
HK$87,799
+HK$4,396/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,806/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,352
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,007
−HK$2,698/mo
Today · 4.125%
HK$90,705
baseline
▲ 0.50% · 4.625%
HK$96,224
+HK$5,519/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,410/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,954
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,500
−HK$2,584/mo
Today · 4.125%
HK$100,084
baseline
▲ 0.50% · 4.625%
HK$105,359
+HK$5,275/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,168/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,578
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,675
−HK$3,147/mo
Today · 4.125%
HK$105,822
baseline
▲ 0.50% · 4.625%
HK$112,261
+HK$6,439/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,644/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,779
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,750
−HK$3,014/mo
Today · 4.125%
HK$116,764
baseline
▲ 0.50% · 4.625%
HK$122,919
+HK$6,155/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,528/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,028
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$132,011
−HK$4,046/mo
Today · 4.125%
HK$136,057
baseline
▲ 0.50% · 4.625%
HK$144,336
+HK$8,279/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,114/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,430
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,250
−HK$3,875/mo
Today · 4.125%
HK$150,125
baseline
▲ 0.50% · 4.625%
HK$158,039
+HK$7,914/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,250/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,682 · Scale 2, in force from 26 Feb 2026)