LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,590
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,786
−HK$2,231/mo
Today · 4.125%
HK$75,017
baseline
▲ 0.50% · 4.625%
HK$79,581
+HK$4,564/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,034/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,531
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,637
−HK$2,136/mo
Today · 4.125%
HK$82,773
baseline
▲ 0.50% · 4.625%
HK$87,136
+HK$4,363/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,546/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,708
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,343
−HK$2,677/mo
Today · 4.125%
HK$90,020
baseline
▲ 0.50% · 4.625%
HK$95,497
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,040/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,237
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,764
−HK$2,564/mo
Today · 4.125%
HK$99,328
baseline
▲ 0.50% · 4.625%
HK$104,564
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,656/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,826
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,900
−HK$3,123/mo
Today · 4.125%
HK$105,023
baseline
▲ 0.50% · 4.625%
HK$111,414
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,046/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,943
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,891
−HK$2,992/mo
Today · 4.125%
HK$115,883
baseline
▲ 0.50% · 4.625%
HK$121,991
+HK$6,108/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,766/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,062
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,014
−HK$4,016/mo
Today · 4.125%
HK$135,030
baseline
▲ 0.50% · 4.625%
HK$143,246
+HK$8,216/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,060/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,355
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,146
−HK$3,846/mo
Today · 4.125%
HK$148,992
baseline
▲ 0.50% · 4.625%
HK$156,846
+HK$7,854/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,984/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,674 · Scale 2, in force from 26 Feb 2026)