LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,144
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,357
−HK$2,249/mo
Today · 4.125%
HK$75,606
baseline
▲ 0.50% · 4.625%
HK$80,206
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,212/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,147
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,270
−HK$2,153/mo
Today · 4.125%
HK$83,423
baseline
▲ 0.50% · 4.625%
HK$87,821
+HK$4,398/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$1,326,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,373
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,029
−HK$2,698/mo
Today · 4.125%
HK$90,727
baseline
▲ 0.50% · 4.625%
HK$96,247
+HK$5,520/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,454/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,977
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,524
−HK$2,584/mo
Today · 4.125%
HK$100,108
baseline
▲ 0.50% · 4.625%
HK$105,385
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,216/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,602
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,700
−HK$3,148/mo
Today · 4.125%
HK$105,848
baseline
▲ 0.50% · 4.625%
HK$112,289
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,696/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,806
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,778
−HK$3,015/mo
Today · 4.125%
HK$116,793
baseline
▲ 0.50% · 4.625%
HK$122,949
+HK$6,156/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,586/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,060
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,043
−HK$4,047/mo
Today · 4.125%
HK$136,090
baseline
▲ 0.50% · 4.625%
HK$144,371
+HK$8,281/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,180/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,465
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,286
−HK$3,876/mo
Today · 4.125%
HK$150,162
baseline
▲ 0.50% · 4.625%
HK$158,077
+HK$7,915/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,324/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,006 · Scale 2, in force from 26 Feb 2026)