LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,261
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,477
−HK$2,252/mo
Today · 4.125%
HK$75,729
baseline
▲ 0.50% · 4.625%
HK$80,337
+HK$4,608/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,458/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,277
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,403
−HK$2,157/mo
Today · 4.125%
HK$83,560
baseline
▲ 0.50% · 4.625%
HK$87,964
+HK$4,404/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,120/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,513
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,173
−HK$2,702/mo
Today · 4.125%
HK$90,875
baseline
▲ 0.50% · 4.625%
HK$96,405
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,750/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,132
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,683
−HK$2,589/mo
Today · 4.125%
HK$100,272
baseline
▲ 0.50% · 4.625%
HK$105,557
+HK$5,285/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,544/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,765
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,868
−HK$3,153/mo
Today · 4.125%
HK$106,021
baseline
▲ 0.50% · 4.625%
HK$112,472
+HK$6,451/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,042/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,987
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,964
−HK$3,020/mo
Today · 4.125%
HK$116,984
baseline
▲ 0.50% · 4.625%
HK$123,150
+HK$6,166/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$233,968/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,269
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,259
−HK$4,054/mo
Today · 4.125%
HK$136,313
baseline
▲ 0.50% · 4.625%
HK$144,607
+HK$8,294/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,626/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,698
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,525
−HK$3,883/mo
Today · 4.125%
HK$150,408
baseline
▲ 0.50% · 4.625%
HK$158,336
+HK$7,928/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,816/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,174 · Scale 2, in force from 26 Feb 2026)