LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,588
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,783
−HK$2,231/mo
Today · 4.125%
HK$75,014
baseline
▲ 0.50% · 4.625%
HK$79,579
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,028/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,528
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,634
−HK$2,137/mo
Today · 4.125%
HK$82,771
baseline
▲ 0.50% · 4.625%
HK$87,134
+HK$4,363/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,542/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,705
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,340
−HK$2,677/mo
Today · 4.125%
HK$90,017
baseline
▲ 0.50% · 4.625%
HK$95,494
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,034/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,234
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,761
−HK$2,564/mo
Today · 4.125%
HK$99,325
baseline
▲ 0.50% · 4.625%
HK$104,561
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,650/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,823
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,897
−HK$3,123/mo
Today · 4.125%
HK$105,020
baseline
▲ 0.50% · 4.625%
HK$111,410
+HK$6,390/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,040/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,939
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,888
−HK$2,991/mo
Today · 4.125%
HK$115,879
baseline
▲ 0.50% · 4.625%
HK$121,987
+HK$6,108/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,758/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,058
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,010
−HK$4,016/mo
Today · 4.125%
HK$135,026
baseline
▲ 0.50% · 4.625%
HK$143,242
+HK$8,216/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,052/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,351
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,142
−HK$3,846/mo
Today · 4.125%
HK$148,988
baseline
▲ 0.50% · 4.625%
HK$156,841
+HK$7,853/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,976/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,634 · Scale 2, in force from 26 Feb 2026)