LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,161
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,374
−HK$2,249/mo
Today · 4.125%
HK$75,623
baseline
▲ 0.50% · 4.625%
HK$80,225
+HK$4,602/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,246/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,166
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,289
−HK$2,154/mo
Today · 4.125%
HK$83,443
baseline
▲ 0.50% · 4.625%
HK$87,841
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,886/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,393
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,049
−HK$2,699/mo
Today · 4.125%
HK$90,748
baseline
▲ 0.50% · 4.625%
HK$96,270
+HK$5,522/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,496/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,999
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,547
−HK$2,585/mo
Today · 4.125%
HK$100,132
baseline
▲ 0.50% · 4.625%
HK$105,410
+HK$5,278/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,264/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,625
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,724
−HK$3,149/mo
Today · 4.125%
HK$105,873
baseline
▲ 0.50% · 4.625%
HK$112,315
+HK$6,442/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,746/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,832
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,805
−HK$3,015/mo
Today · 4.125%
HK$116,820
baseline
▲ 0.50% · 4.625%
HK$122,978
+HK$6,158/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,640/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,090
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$132,074
−HK$4,048/mo
Today · 4.125%
HK$136,122
baseline
▲ 0.50% · 4.625%
HK$144,405
+HK$8,283/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,244/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,499
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,320
−HK$3,877/mo
Today · 4.125%
HK$150,197
baseline
▲ 0.50% · 4.625%
HK$158,114
+HK$7,917/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,394/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,317 · Scale 2, in force from 26 Feb 2026)