LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,170
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,384
−HK$2,249/mo
Today · 4.125%
HK$75,633
baseline
▲ 0.50% · 4.625%
HK$80,235
+HK$4,602/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,266/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,176
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,299
−HK$2,154/mo
Today · 4.125%
HK$83,453
baseline
▲ 0.50% · 4.625%
HK$87,852
+HK$4,399/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,906/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,404
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,060
−HK$2,700/mo
Today · 4.125%
HK$90,760
baseline
▲ 0.50% · 4.625%
HK$96,282
+HK$5,522/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$181,520/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,011
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,559
−HK$2,585/mo
Today · 4.125%
HK$100,144
baseline
▲ 0.50% · 4.625%
HK$105,423
+HK$5,279/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$200,288/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,638
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,737
−HK$3,149/mo
Today · 4.125%
HK$105,886
baseline
▲ 0.50% · 4.625%
HK$112,329
+HK$6,443/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,772/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,846
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,819
−HK$3,016/mo
Today · 4.125%
HK$116,835
baseline
▲ 0.50% · 4.625%
HK$122,993
+HK$6,158/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,670/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,106
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,091
−HK$4,048/mo
Today · 4.125%
HK$136,139
baseline
▲ 0.50% · 4.625%
HK$144,423
+HK$8,284/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,278/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,517
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$146,339
−HK$3,877/mo
Today · 4.125%
HK$150,216
baseline
▲ 0.50% · 4.625%
HK$158,134
+HK$7,918/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,432/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,484 · Scale 2, in force from 26 Feb 2026)