LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,344
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,563
−HK$2,255/mo
Today · 4.125%
HK$75,818
baseline
▲ 0.50% · 4.625%
HK$80,431
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,636/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,369
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,498
−HK$2,160/mo
Today · 4.125%
HK$83,658
baseline
▲ 0.50% · 4.625%
HK$88,067
+HK$4,409/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,316/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,613
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,276
−HK$2,705/mo
Today · 4.125%
HK$90,981
baseline
▲ 0.50% · 4.625%
HK$96,517
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$181,962/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,243
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,798
−HK$2,591/mo
Today · 4.125%
HK$100,389
baseline
▲ 0.50% · 4.625%
HK$105,681
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$200,778/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,882
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,988
−HK$3,157/mo
Today · 4.125%
HK$106,145
baseline
▲ 0.50% · 4.625%
HK$112,604
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,290/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,117
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,097
−HK$3,024/mo
Today · 4.125%
HK$117,121
baseline
▲ 0.50% · 4.625%
HK$123,294
+HK$6,173/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,242/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,419
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,414
−HK$4,058/mo
Today · 4.125%
HK$136,472
baseline
▲ 0.50% · 4.625%
HK$144,776
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,944/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,865
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,697
−HK$3,887/mo
Today · 4.125%
HK$150,584
baseline
▲ 0.50% · 4.625%
HK$158,521
+HK$7,937/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,168/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,728 · Scale 2, in force from 26 Feb 2026)