LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,156
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,369
−HK$2,249/mo
Today · 4.125%
HK$75,618
baseline
▲ 0.50% · 4.625%
HK$80,219
+HK$4,601/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,236/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,160
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,283
−HK$2,154/mo
Today · 4.125%
HK$83,437
baseline
▲ 0.50% · 4.625%
HK$87,835
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,874/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,387
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,043
−HK$2,699/mo
Today · 4.125%
HK$90,742
baseline
▲ 0.50% · 4.625%
HK$96,263
+HK$5,521/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,484/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,992
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,540
−HK$2,584/mo
Today · 4.125%
HK$100,124
baseline
▲ 0.50% · 4.625%
HK$105,402
+HK$5,278/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,248/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,618
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,717
−HK$3,148/mo
Today · 4.125%
HK$105,865
baseline
▲ 0.50% · 4.625%
HK$112,307
+HK$6,442/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,730/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,824
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,796
−HK$3,016/mo
Today · 4.125%
HK$116,812
baseline
▲ 0.50% · 4.625%
HK$122,969
+HK$6,157/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,624/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,081
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,065
−HK$4,047/mo
Today · 4.125%
HK$136,112
baseline
▲ 0.50% · 4.625%
HK$144,394
+HK$8,282/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,224/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,488
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,310
−HK$3,876/mo
Today · 4.125%
HK$150,186
baseline
▲ 0.50% · 4.625%
HK$158,103
+HK$7,917/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,372/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,221 · Scale 2, in force from 26 Feb 2026)