LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,607
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,803
−HK$2,231/mo
Today · 4.125%
HK$75,034
baseline
▲ 0.50% · 4.625%
HK$79,600
+HK$4,566/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$1,315,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,549
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,656
−HK$2,137/mo
Today · 4.125%
HK$82,793
baseline
▲ 0.50% · 4.625%
HK$87,157
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,586/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,728
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,363
−HK$2,678/mo
Today · 4.125%
HK$90,041
baseline
▲ 0.50% · 4.625%
HK$95,520
+HK$5,479/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$1,315,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,259
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,787
−HK$2,565/mo
Today · 4.125%
HK$99,352
baseline
▲ 0.50% · 4.625%
HK$104,588
+HK$5,236/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,704/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,849
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,924
−HK$3,124/mo
Today · 4.125%
HK$105,048
baseline
▲ 0.50% · 4.625%
HK$111,440
+HK$6,392/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,096/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,315,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,969
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,918
−HK$2,992/mo
Today · 4.125%
HK$115,910
baseline
▲ 0.50% · 4.625%
HK$122,020
+HK$6,110/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,820/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,315,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,092
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,045
−HK$4,017/mo
Today · 4.125%
HK$135,062
baseline
▲ 0.50% · 4.625%
HK$143,280
+HK$8,218/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,124/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,388
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,180
−HK$3,847/mo
Today · 4.125%
HK$149,027
baseline
▲ 0.50% · 4.625%
HK$156,883
+HK$7,856/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,054/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,985 · Scale 2, in force from 26 Feb 2026)