LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,279
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,496
−HK$2,253/mo
Today · 4.125%
HK$75,749
baseline
▲ 0.50% · 4.625%
HK$80,358
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,498/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,297
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,424
−HK$2,157/mo
Today · 4.125%
HK$83,581
baseline
▲ 0.50% · 4.625%
HK$87,987
+HK$4,406/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,162/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,535
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,195
−HK$2,704/mo
Today · 4.125%
HK$90,899
baseline
▲ 0.50% · 4.625%
HK$96,429
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$181,798/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,157
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,709
−HK$2,589/mo
Today · 4.125%
HK$100,298
baseline
▲ 0.50% · 4.625%
HK$105,584
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$200,596/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,791
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,895
−HK$3,153/mo
Today · 4.125%
HK$106,048
baseline
▲ 0.50% · 4.625%
HK$112,501
+HK$6,453/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,096/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,016
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,993
−HK$3,021/mo
Today · 4.125%
HK$117,014
baseline
▲ 0.50% · 4.625%
HK$123,182
+HK$6,168/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$234,028/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,302
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$132,293
−HK$4,055/mo
Today · 4.125%
HK$136,348
baseline
▲ 0.50% · 4.625%
HK$144,644
+HK$8,296/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,696/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,735
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,563
−HK$3,883/mo
Today · 4.125%
HK$150,446
baseline
▲ 0.50% · 4.625%
HK$158,377
+HK$7,931/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,892/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,515 · Scale 2, in force from 26 Feb 2026)