LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,602
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,798
−HK$2,231/mo
Today · 4.125%
HK$75,029
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,058/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,544
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,650
−HK$2,137/mo
Today · 4.125%
HK$82,787
baseline
▲ 0.50% · 4.625%
HK$87,151
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,574/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,722
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,357
−HK$2,678/mo
Today · 4.125%
HK$90,035
baseline
▲ 0.50% · 4.625%
HK$95,513
+HK$5,478/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$180,070/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,252
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,780
−HK$2,565/mo
Today · 4.125%
HK$99,345
baseline
▲ 0.50% · 4.625%
HK$104,581
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$198,690/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,842
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,917
−HK$3,124/mo
Today · 4.125%
HK$105,041
baseline
▲ 0.50% · 4.625%
HK$111,432
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,082/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,961
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,910
−HK$2,992/mo
Today · 4.125%
HK$115,902
baseline
▲ 0.50% · 4.625%
HK$122,011
+HK$6,109/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,804/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,083
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,036
−HK$4,016/mo
Today · 4.125%
HK$135,052
baseline
▲ 0.50% · 4.625%
HK$143,270
+HK$8,218/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,104/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,379
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,170
−HK$3,847/mo
Today · 4.125%
HK$149,017
baseline
▲ 0.50% · 4.625%
HK$156,872
+HK$7,855/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,034/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,893 · Scale 2, in force from 26 Feb 2026)