LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,185
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,399
−HK$2,249/mo
Today · 4.125%
HK$75,648
baseline
▲ 0.50% · 4.625%
HK$80,251
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,296/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,192
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,316
−HK$2,155/mo
Today · 4.125%
HK$83,471
baseline
▲ 0.50% · 4.625%
HK$87,870
+HK$4,399/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,942/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,421
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,079
−HK$2,699/mo
Today · 4.125%
HK$90,778
baseline
▲ 0.50% · 4.625%
HK$96,302
+HK$5,524/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,556/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,030
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,579
−HK$2,586/mo
Today · 4.125%
HK$100,165
baseline
▲ 0.50% · 4.625%
HK$105,445
+HK$5,280/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,330/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,658
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,758
−HK$3,150/mo
Today · 4.125%
HK$105,908
baseline
▲ 0.50% · 4.625%
HK$112,352
+HK$6,444/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$211,816/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,869
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,842
−HK$3,017/mo
Today · 4.125%
HK$116,859
baseline
▲ 0.50% · 4.625%
HK$123,019
+HK$6,160/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$233,718/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,132
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$132,118
−HK$4,049/mo
Today · 4.125%
HK$136,167
baseline
▲ 0.50% · 4.625%
HK$144,453
+HK$8,286/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,334/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,546
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$146,369
−HK$3,878/mo
Today · 4.125%
HK$150,247
baseline
▲ 0.50% · 4.625%
HK$158,167
+HK$7,920/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,494/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,756 · Scale 2, in force from 26 Feb 2026)