LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,250
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,467
−HK$2,251/mo
Today · 4.125%
HK$75,718
baseline
▲ 0.50% · 4.625%
HK$80,326
+HK$4,608/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,436/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,265
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,391
−HK$2,157/mo
Today · 4.125%
HK$83,548
baseline
▲ 0.50% · 4.625%
HK$87,952
+HK$4,404/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,096/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,500
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,160
−HK$2,702/mo
Today · 4.125%
HK$90,862
baseline
▲ 0.50% · 4.625%
HK$96,391
+HK$5,529/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,724/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,118
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,669
−HK$2,588/mo
Today · 4.125%
HK$100,257
baseline
▲ 0.50% · 4.625%
HK$105,542
+HK$5,285/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,514/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,750
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,853
−HK$3,153/mo
Today · 4.125%
HK$106,006
baseline
▲ 0.50% · 4.625%
HK$112,456
+HK$6,450/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$212,012/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,971
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,948
−HK$3,019/mo
Today · 4.125%
HK$116,967
baseline
▲ 0.50% · 4.625%
HK$123,132
+HK$6,165/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,934/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,251
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$132,240
−HK$4,053/mo
Today · 4.125%
HK$136,293
baseline
▲ 0.50% · 4.625%
HK$144,586
+HK$8,293/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,586/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,678
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$146,504
−HK$3,882/mo
Today · 4.125%
HK$150,386
baseline
▲ 0.50% · 4.625%
HK$158,313
+HK$7,927/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,772/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,983 · Scale 2, in force from 26 Feb 2026)