LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,171
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,384
−HK$2,250/mo
Today · 4.125%
HK$75,634
baseline
▲ 0.50% · 4.625%
HK$80,236
+HK$4,602/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,268/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,177
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,300
−HK$2,154/mo
Today · 4.125%
HK$83,454
baseline
▲ 0.50% · 4.625%
HK$87,853
+HK$4,399/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,908/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,405
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,061
−HK$2,699/mo
Today · 4.125%
HK$90,760
baseline
▲ 0.50% · 4.625%
HK$96,283
+HK$5,523/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$1,326,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,012
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,560
−HK$2,585/mo
Today · 4.125%
HK$100,145
baseline
▲ 0.50% · 4.625%
HK$105,424
+HK$5,279/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$200,290/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,639
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,738
−HK$3,149/mo
Today · 4.125%
HK$105,887
baseline
▲ 0.50% · 4.625%
HK$112,330
+HK$6,443/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,774/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,847
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,820
−HK$3,016/mo
Today · 4.125%
HK$116,836
baseline
▲ 0.50% · 4.625%
HK$122,995
+HK$6,159/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,672/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,107
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$132,092
−HK$4,049/mo
Today · 4.125%
HK$136,141
baseline
▲ 0.50% · 4.625%
HK$144,424
+HK$8,283/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,282/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,518
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,340
−HK$3,878/mo
Today · 4.125%
HK$150,218
baseline
▲ 0.50% · 4.625%
HK$158,136
+HK$7,918/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,436/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,498 · Scale 2, in force from 26 Feb 2026)