LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,583
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,779
−HK$2,231/mo
Today · 4.125%
HK$75,010
baseline
▲ 0.50% · 4.625%
HK$79,574
+HK$4,564/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,020/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,523
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,629
−HK$2,137/mo
Today · 4.125%
HK$82,766
baseline
▲ 0.50% · 4.625%
HK$87,128
+HK$4,362/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,532/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,700
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,335
−HK$2,676/mo
Today · 4.125%
HK$90,011
baseline
▲ 0.50% · 4.625%
HK$95,488
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,022/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,228
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,755
−HK$2,564/mo
Today · 4.125%
HK$99,319
baseline
▲ 0.50% · 4.625%
HK$104,554
+HK$5,235/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,638/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,817
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,890
−HK$3,123/mo
Today · 4.125%
HK$105,013
baseline
▲ 0.50% · 4.625%
HK$111,403
+HK$6,390/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,026/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,933
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,881
−HK$2,991/mo
Today · 4.125%
HK$115,872
baseline
▲ 0.50% · 4.625%
HK$121,980
+HK$6,108/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,744/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,050
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$131,002
−HK$4,015/mo
Today · 4.125%
HK$135,017
baseline
▲ 0.50% · 4.625%
HK$143,233
+HK$8,216/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,034/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,342
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,133
−HK$3,845/mo
Today · 4.125%
HK$148,978
baseline
▲ 0.50% · 4.625%
HK$156,831
+HK$7,853/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,956/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,551 · Scale 2, in force from 26 Feb 2026)