LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,600
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,796
−HK$2,231/mo
Today · 4.125%
HK$75,027
baseline
▲ 0.50% · 4.625%
HK$79,592
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,054/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,541
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,648
−HK$2,137/mo
Today · 4.125%
HK$82,785
baseline
▲ 0.50% · 4.625%
HK$87,148
+HK$4,363/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,570/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,720
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,355
−HK$2,677/mo
Today · 4.125%
HK$90,032
baseline
▲ 0.50% · 4.625%
HK$95,510
+HK$5,478/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$180,064/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,250
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,777
−HK$2,565/mo
Today · 4.125%
HK$99,342
baseline
▲ 0.50% · 4.625%
HK$104,578
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$198,684/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,839
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,914
−HK$3,124/mo
Today · 4.125%
HK$105,038
baseline
▲ 0.50% · 4.625%
HK$111,429
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,076/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,958
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,907
−HK$2,992/mo
Today · 4.125%
HK$115,899
baseline
▲ 0.50% · 4.625%
HK$122,008
+HK$6,109/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,798/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,079
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,032
−HK$4,016/mo
Today · 4.125%
HK$135,048
baseline
▲ 0.50% · 4.625%
HK$143,266
+HK$8,218/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,096/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,374
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,166
−HK$3,846/mo
Today · 4.125%
HK$149,012
baseline
▲ 0.50% · 4.625%
HK$156,867
+HK$7,855/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,024/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,854 · Scale 2, in force from 26 Feb 2026)