LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,310
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$2,254/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$80,393
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,332
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,459
−HK$2,159/mo
Today · 4.125%
HK$83,618
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$4,407/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,236/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,572
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,234
−HK$2,704/mo
Today · 4.125%
HK$90,938
baseline
▲ 0.50% · 4.625%
HK$96,472
+HK$5,534/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,876/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,198
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,751
−HK$2,590/mo
Today · 4.125%
HK$100,341
baseline
▲ 0.50% · 4.625%
HK$105,630
+HK$5,289/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,682/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,834
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,940
−HK$3,155/mo
Today · 4.125%
HK$106,095
baseline
▲ 0.50% · 4.625%
HK$112,550
+HK$6,455/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,190/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,064
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,043
−HK$3,022/mo
Today · 4.125%
HK$117,065
baseline
▲ 0.50% · 4.625%
HK$123,236
+HK$6,171/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,130/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,358
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,351
−HK$4,056/mo
Today · 4.125%
HK$136,407
baseline
▲ 0.50% · 4.625%
HK$144,707
+HK$8,300/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$272,814/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,797
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$146,627
−HK$3,885/mo
Today · 4.125%
HK$150,512
baseline
▲ 0.50% · 4.625%
HK$158,446
+HK$7,934/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$301,024/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,096 · Scale 2, in force from 26 Feb 2026)