LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,355
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,575
−HK$2,255/mo
Today · 4.125%
HK$75,830
baseline
▲ 0.50% · 4.625%
HK$80,444
+HK$4,614/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,660/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,382
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,511
−HK$2,160/mo
Today · 4.125%
HK$83,671
baseline
▲ 0.50% · 4.625%
HK$88,081
+HK$4,410/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,342/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,626
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,290
−HK$2,706/mo
Today · 4.125%
HK$90,996
baseline
▲ 0.50% · 4.625%
HK$96,532
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$181,992/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,258
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,813
−HK$2,592/mo
Today · 4.125%
HK$100,405
baseline
▲ 0.50% · 4.625%
HK$105,697
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,810/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,897
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,004
−HK$3,158/mo
Today · 4.125%
HK$106,162
baseline
▲ 0.50% · 4.625%
HK$112,621
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,324/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,135
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,115
−HK$3,024/mo
Today · 4.125%
HK$117,139
baseline
▲ 0.50% · 4.625%
HK$123,313
+HK$6,174/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,278/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,439
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,434
−HK$4,059/mo
Today · 4.125%
HK$136,493
baseline
▲ 0.50% · 4.625%
HK$144,799
+HK$8,306/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,986/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,887
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$146,719
−HK$3,888/mo
Today · 4.125%
HK$150,607
baseline
▲ 0.50% · 4.625%
HK$158,546
+HK$7,939/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,214/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,935 · Scale 2, in force from 26 Feb 2026)