LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,240
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,456
−HK$2,251/mo
Today · 4.125%
HK$75,707
baseline
▲ 0.50% · 4.625%
HK$80,314
+HK$4,607/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,414/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,254
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,379
−HK$2,157/mo
Today · 4.125%
HK$83,536
baseline
▲ 0.50% · 4.625%
HK$87,939
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,072/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,488
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,147
−HK$2,702/mo
Today · 4.125%
HK$90,849
baseline
▲ 0.50% · 4.625%
HK$96,377
+HK$5,528/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,698/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,105
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,655
−HK$2,588/mo
Today · 4.125%
HK$100,243
baseline
▲ 0.50% · 4.625%
HK$105,527
+HK$5,284/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,486/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,736
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,838
−HK$3,152/mo
Today · 4.125%
HK$105,990
baseline
▲ 0.50% · 4.625%
HK$112,440
+HK$6,450/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,980/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,955
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,931
−HK$3,019/mo
Today · 4.125%
HK$116,950
baseline
▲ 0.50% · 4.625%
HK$123,115
+HK$6,165/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,900/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,232
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$132,221
−HK$4,052/mo
Today · 4.125%
HK$136,273
baseline
▲ 0.50% · 4.625%
HK$144,565
+HK$8,292/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,546/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,657
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$146,483
−HK$3,881/mo
Today · 4.125%
HK$150,364
baseline
▲ 0.50% · 4.625%
HK$158,290
+HK$7,926/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,728/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,790 · Scale 2, in force from 26 Feb 2026)