LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,210
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,425
−HK$2,250/mo
Today · 4.125%
HK$75,675
baseline
▲ 0.50% · 4.625%
HK$80,280
+HK$4,605/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,350/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,220
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,345
−HK$2,155/mo
Today · 4.125%
HK$83,500
baseline
▲ 0.50% · 4.625%
HK$87,901
+HK$4,401/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$167,000/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,452
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,110
−HK$2,700/mo
Today · 4.125%
HK$90,810
baseline
▲ 0.50% · 4.625%
HK$96,336
+HK$5,526/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,620/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,064
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,614
−HK$2,586/mo
Today · 4.125%
HK$100,200
baseline
▲ 0.50% · 4.625%
HK$105,482
+HK$5,282/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,400/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,693
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,794
−HK$3,151/mo
Today · 4.125%
HK$105,945
baseline
▲ 0.50% · 4.625%
HK$112,392
+HK$6,447/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,890/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,908
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,882
−HK$3,018/mo
Today · 4.125%
HK$116,900
baseline
▲ 0.50% · 4.625%
HK$123,062
+HK$6,162/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,800/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,177
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,164
−HK$4,051/mo
Today · 4.125%
HK$136,215
baseline
▲ 0.50% · 4.625%
HK$144,503
+HK$8,288/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,430/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,596
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,420
−HK$3,880/mo
Today · 4.125%
HK$150,300
baseline
▲ 0.50% · 4.625%
HK$158,222
+HK$7,922/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,600/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,223 · Scale 2, in force from 26 Feb 2026)