LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,586
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,782
−HK$2,230/mo
Today · 4.125%
HK$75,012
baseline
▲ 0.50% · 4.625%
HK$79,577
+HK$4,565/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$1,315,602 · 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$87,132
+HK$4,363/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$1,315,602 · 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$1,315,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,232
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,759
−HK$2,564/mo
Today · 4.125%
HK$99,323
baseline
▲ 0.50% · 4.625%
HK$104,558
+HK$5,235/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,646/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,821
−HK$6,196/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$1,315,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,937
−HK$5,939/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$1,315,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,055
−HK$7,967/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$1,315,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,347
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,138
−HK$3,846/mo
Today · 4.125%
HK$148,984
baseline
▲ 0.50% · 4.625%
HK$156,837
+HK$7,853/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,968/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,602 · Scale 2, in force from 26 Feb 2026)