LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,197
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,411
−HK$2,250/mo
Today · 4.125%
HK$75,661
baseline
▲ 0.50% · 4.625%
HK$80,265
+HK$4,604/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,322/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,205
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,330
−HK$2,155/mo
Today · 4.125%
HK$83,485
baseline
▲ 0.50% · 4.625%
HK$87,885
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,970/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,436
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,093
−HK$2,700/mo
Today · 4.125%
HK$90,793
baseline
▲ 0.50% · 4.625%
HK$96,318
+HK$5,525/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,586/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,046
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,596
−HK$2,586/mo
Today · 4.125%
HK$100,182
baseline
▲ 0.50% · 4.625%
HK$105,462
+HK$5,280/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,364/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,675
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,776
−HK$3,150/mo
Today · 4.125%
HK$105,926
baseline
▲ 0.50% · 4.625%
HK$112,371
+HK$6,445/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,852/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,888
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,861
−HK$3,017/mo
Today · 4.125%
HK$116,878
baseline
▲ 0.50% · 4.625%
HK$123,039
+HK$6,161/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,756/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,154
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$132,140
−HK$4,050/mo
Today · 4.125%
HK$136,190
baseline
▲ 0.50% · 4.625%
HK$144,477
+HK$8,287/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,380/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,570
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$146,393
−HK$3,879/mo
Today · 4.125%
HK$150,272
baseline
▲ 0.50% · 4.625%
HK$158,193
+HK$7,921/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,544/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,979 · Scale 2, in force from 26 Feb 2026)