LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,194
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,409
−HK$2,250/mo
Today · 4.125%
HK$75,659
baseline
▲ 0.50% · 4.625%
HK$80,262
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,318/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,203
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,327
−HK$2,155/mo
Today · 4.125%
HK$83,482
baseline
▲ 0.50% · 4.625%
HK$87,882
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,964/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,433
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,090
−HK$2,700/mo
Today · 4.125%
HK$90,790
baseline
▲ 0.50% · 4.625%
HK$96,315
+HK$5,525/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,580/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,043
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,592
−HK$2,586/mo
Today · 4.125%
HK$100,178
baseline
▲ 0.50% · 4.625%
HK$105,459
+HK$5,281/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,356/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,672
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,772
−HK$3,150/mo
Today · 4.125%
HK$105,922
baseline
▲ 0.50% · 4.625%
HK$112,367
+HK$6,445/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,844/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,884
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,858
−HK$3,016/mo
Today · 4.125%
HK$116,874
baseline
▲ 0.50% · 4.625%
HK$123,035
+HK$6,161/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,748/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,149
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$132,135
−HK$4,050/mo
Today · 4.125%
HK$136,185
baseline
▲ 0.50% · 4.625%
HK$144,472
+HK$8,287/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,370/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,565
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$146,388
−HK$3,879/mo
Today · 4.125%
HK$150,267
baseline
▲ 0.50% · 4.625%
HK$158,188
+HK$7,921/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,534/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,933 · Scale 2, in force from 26 Feb 2026)