LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,586
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,781
−HK$2,231/mo
Today · 4.125%
HK$75,012
baseline
▲ 0.50% · 4.625%
HK$79,576
+HK$4,564/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,024/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,526
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,632
−HK$2,137/mo
Today · 4.125%
HK$82,769
baseline
▲ 0.50% · 4.625%
HK$87,131
+HK$4,362/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,538/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,703
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,338
−HK$2,677/mo
Today · 4.125%
HK$90,015
baseline
▲ 0.50% · 4.625%
HK$95,492
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,030/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,231
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,758
−HK$2,564/mo
Today · 4.125%
HK$99,322
baseline
▲ 0.50% · 4.625%
HK$104,558
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,644/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,820
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,894
−HK$3,123/mo
Today · 4.125%
HK$105,017
baseline
▲ 0.50% · 4.625%
HK$111,407
+HK$6,390/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,034/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,936
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,885
−HK$2,991/mo
Today · 4.125%
HK$115,876
baseline
▲ 0.50% · 4.625%
HK$121,984
+HK$6,108/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,752/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,054
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,007
−HK$4,015/mo
Today · 4.125%
HK$135,022
baseline
▲ 0.50% · 4.625%
HK$143,238
+HK$8,216/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,044/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,347
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,138
−HK$3,845/mo
Today · 4.125%
HK$148,983
baseline
▲ 0.50% · 4.625%
HK$156,836
+HK$7,853/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,966/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,597 · Scale 2, in force from 26 Feb 2026)