LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,154
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,367
−HK$2,249/mo
Today · 4.125%
HK$75,616
baseline
▲ 0.50% · 4.625%
HK$80,217
+HK$4,601/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,232/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,158
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,281
−HK$2,154/mo
Today · 4.125%
HK$83,435
baseline
▲ 0.50% · 4.625%
HK$87,833
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,870/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,385
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,041
−HK$2,698/mo
Today · 4.125%
HK$90,739
baseline
▲ 0.50% · 4.625%
HK$96,261
+HK$5,522/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,478/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,990
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,537
−HK$2,585/mo
Today · 4.125%
HK$100,122
baseline
▲ 0.50% · 4.625%
HK$105,399
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,244/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,616
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,714
−HK$3,149/mo
Today · 4.125%
HK$105,863
baseline
▲ 0.50% · 4.625%
HK$112,304
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,726/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,822
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,794
−HK$3,015/mo
Today · 4.125%
HK$116,809
baseline
▲ 0.50% · 4.625%
HK$122,966
+HK$6,157/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,618/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,077
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$132,061
−HK$4,048/mo
Today · 4.125%
HK$136,109
baseline
▲ 0.50% · 4.625%
HK$144,391
+HK$8,282/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,218/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,485
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,306
−HK$3,877/mo
Today · 4.125%
HK$150,183
baseline
▲ 0.50% · 4.625%
HK$158,099
+HK$7,916/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,366/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,189 · Scale 2, in force from 26 Feb 2026)