LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,188
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,403
−HK$2,250/mo
Today · 4.125%
HK$75,653
baseline
▲ 0.50% · 4.625%
HK$80,256
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,306/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,196
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,320
−HK$2,155/mo
Today · 4.125%
HK$83,475
baseline
▲ 0.50% · 4.625%
HK$87,875
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,950/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,426
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,083
−HK$2,700/mo
Today · 4.125%
HK$90,783
baseline
▲ 0.50% · 4.625%
HK$96,307
+HK$5,524/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,566/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,036
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,584
−HK$2,586/mo
Today · 4.125%
HK$100,170
baseline
▲ 0.50% · 4.625%
HK$105,450
+HK$5,280/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,340/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,664
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,764
−HK$3,150/mo
Today · 4.125%
HK$105,914
baseline
▲ 0.50% · 4.625%
HK$112,358
+HK$6,444/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$211,828/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,875
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,848
−HK$3,017/mo
Today · 4.125%
HK$116,865
baseline
▲ 0.50% · 4.625%
HK$123,025
+HK$6,160/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$233,730/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,139
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$132,125
−HK$4,050/mo
Today · 4.125%
HK$136,175
baseline
▲ 0.50% · 4.625%
HK$144,460
+HK$8,285/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,350/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,553
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$146,377
−HK$3,878/mo
Today · 4.125%
HK$150,255
baseline
▲ 0.50% · 4.625%
HK$158,175
+HK$7,920/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,510/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,827 · Scale 2, in force from 26 Feb 2026)