LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,578
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,773
−HK$2,230/mo
Today · 4.125%
HK$75,003
baseline
▲ 0.50% · 4.625%
HK$79,567
+HK$4,564/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,006/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,517
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,623
−HK$2,136/mo
Today · 4.125%
HK$82,759
baseline
▲ 0.50% · 4.625%
HK$87,121
+HK$4,362/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,518/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,328
−HK$2,676/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$95,481
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,220
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,747
−HK$2,564/mo
Today · 4.125%
HK$99,311
baseline
▲ 0.50% · 4.625%
HK$104,545
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,622/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,809
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,882
−HK$3,123/mo
Today · 4.125%
HK$105,005
baseline
▲ 0.50% · 4.625%
HK$111,394
+HK$6,389/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,010/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,924
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,872
−HK$2,990/mo
Today · 4.125%
HK$115,862
baseline
▲ 0.50% · 4.625%
HK$121,970
+HK$6,108/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,724/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,040
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$130,991
−HK$4,015/mo
Today · 4.125%
HK$135,006
baseline
▲ 0.50% · 4.625%
HK$143,221
+HK$8,215/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,012/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,330
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,121
−HK$3,845/mo
Today · 4.125%
HK$148,966
baseline
▲ 0.50% · 4.625%
HK$156,818
+HK$7,852/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,932/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,444 · Scale 2, in force from 26 Feb 2026)