LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,144
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,357
−HK$2,248/mo
Today · 4.125%
HK$75,605
baseline
▲ 0.50% · 4.625%
HK$80,205
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,210/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,146
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,269
−HK$2,154/mo
Today · 4.125%
HK$83,423
baseline
▲ 0.50% · 4.625%
HK$87,820
+HK$4,397/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,846/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,372
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,028
−HK$2,698/mo
Today · 4.125%
HK$90,726
baseline
▲ 0.50% · 4.625%
HK$96,246
+HK$5,520/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,452/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,976
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,523
−HK$2,584/mo
Today · 4.125%
HK$100,107
baseline
▲ 0.50% · 4.625%
HK$105,384
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,214/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,601
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,699
−HK$3,148/mo
Today · 4.125%
HK$105,847
baseline
▲ 0.50% · 4.625%
HK$112,287
+HK$6,440/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,694/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,805
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,777
−HK$3,015/mo
Today · 4.125%
HK$116,792
baseline
▲ 0.50% · 4.625%
HK$122,948
+HK$6,156/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,584/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,058
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,042
−HK$4,047/mo
Today · 4.125%
HK$136,089
baseline
▲ 0.50% · 4.625%
HK$144,369
+HK$8,280/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,178/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,464
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,284
−HK$3,877/mo
Today · 4.125%
HK$150,161
baseline
▲ 0.50% · 4.625%
HK$158,076
+HK$7,915/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,322/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,992 · Scale 2, in force from 26 Feb 2026)