LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,157
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,371
−HK$2,248/mo
Today · 4.125%
HK$75,619
baseline
▲ 0.50% · 4.625%
HK$80,221
+HK$4,602/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,238/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,162
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,285
−HK$2,153/mo
Today · 4.125%
HK$83,438
baseline
▲ 0.50% · 4.625%
HK$87,837
+HK$4,399/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,876/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,389
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,045
−HK$2,698/mo
Today · 4.125%
HK$90,743
baseline
▲ 0.50% · 4.625%
HK$96,265
+HK$5,522/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,486/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,994
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,542
−HK$2,584/mo
Today · 4.125%
HK$100,126
baseline
▲ 0.50% · 4.625%
HK$105,404
+HK$5,278/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,252/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,620
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,719
−HK$3,148/mo
Today · 4.125%
HK$105,867
baseline
▲ 0.50% · 4.625%
HK$112,309
+HK$6,442/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,734/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,826
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,799
−HK$3,015/mo
Today · 4.125%
HK$116,814
baseline
▲ 0.50% · 4.625%
HK$122,971
+HK$6,157/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,628/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,083
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$132,067
−HK$4,048/mo
Today · 4.125%
HK$136,115
baseline
▲ 0.50% · 4.625%
HK$144,397
+HK$8,282/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,230/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,491
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,312
−HK$3,877/mo
Today · 4.125%
HK$150,189
baseline
▲ 0.50% · 4.625%
HK$158,106
+HK$7,917/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,378/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,245 · Scale 2, in force from 26 Feb 2026)