LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,143
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,356
−HK$2,248/mo
Today · 4.125%
HK$75,604
baseline
▲ 0.50% · 4.625%
HK$80,204
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,208/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,145
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,268
−HK$2,153/mo
Today · 4.125%
HK$83,421
baseline
▲ 0.50% · 4.625%
HK$87,819
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,842/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,371
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,027
−HK$2,698/mo
Today · 4.125%
HK$90,725
baseline
▲ 0.50% · 4.625%
HK$96,245
+HK$5,520/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,450/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,974
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,522
−HK$2,584/mo
Today · 4.125%
HK$100,106
baseline
▲ 0.50% · 4.625%
HK$105,382
+HK$5,276/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,212/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,600
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,698
−HK$3,147/mo
Today · 4.125%
HK$105,845
baseline
▲ 0.50% · 4.625%
HK$112,286
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,690/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,804
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,775
−HK$3,015/mo
Today · 4.125%
HK$116,790
baseline
▲ 0.50% · 4.625%
HK$122,946
+HK$6,156/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,580/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,057
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,040
−HK$4,047/mo
Today · 4.125%
HK$136,087
baseline
▲ 0.50% · 4.625%
HK$144,367
+HK$8,280/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,174/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,462
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,282
−HK$3,876/mo
Today · 4.125%
HK$150,158
baseline
▲ 0.50% · 4.625%
HK$158,074
+HK$7,916/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,316/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,974 · Scale 2, in force from 26 Feb 2026)