LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,606
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,802
−HK$2,232/mo
Today · 4.125%
HK$75,034
baseline
▲ 0.50% · 4.625%
HK$79,599
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,068/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,549
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,655
−HK$2,137/mo
Today · 4.125%
HK$82,792
baseline
▲ 0.50% · 4.625%
HK$87,156
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,584/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,727
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,363
−HK$2,678/mo
Today · 4.125%
HK$90,041
baseline
▲ 0.50% · 4.625%
HK$95,519
+HK$5,478/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,082/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,258
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,786
−HK$2,565/mo
Today · 4.125%
HK$99,351
baseline
▲ 0.50% · 4.625%
HK$104,588
+HK$5,237/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,702/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,849
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,923
−HK$3,124/mo
Today · 4.125%
HK$105,047
baseline
▲ 0.50% · 4.625%
HK$111,439
+HK$6,392/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,094/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,968
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,917
−HK$2,992/mo
Today · 4.125%
HK$115,909
baseline
▲ 0.50% · 4.625%
HK$122,019
+HK$6,110/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,818/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,091
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,044
−HK$4,017/mo
Today · 4.125%
HK$135,061
baseline
▲ 0.50% · 4.625%
HK$143,279
+HK$8,218/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,122/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,388
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,179
−HK$3,847/mo
Today · 4.125%
HK$149,026
baseline
▲ 0.50% · 4.625%
HK$156,882
+HK$7,856/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,052/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,976 · Scale 2, in force from 26 Feb 2026)