LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,613
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,810
−HK$2,231/mo
Today · 4.125%
HK$75,041
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$4,567/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,082/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,557
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,664
−HK$2,137/mo
Today · 4.125%
HK$82,801
baseline
▲ 0.50% · 4.625%
HK$87,165
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,602/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,736
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,372
−HK$2,678/mo
Today · 4.125%
HK$90,050
baseline
▲ 0.50% · 4.625%
HK$95,529
+HK$5,479/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,100/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,268
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,796
−HK$2,565/mo
Today · 4.125%
HK$99,361
baseline
▲ 0.50% · 4.625%
HK$104,598
+HK$5,237/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,722/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,859
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,934
−HK$3,124/mo
Today · 4.125%
HK$105,058
baseline
▲ 0.50% · 4.625%
HK$111,451
+HK$6,393/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,116/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,979
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,929
−HK$2,992/mo
Today · 4.125%
HK$115,921
baseline
▲ 0.50% · 4.625%
HK$122,032
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,842/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,104
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,058
−HK$4,017/mo
Today · 4.125%
HK$135,075
baseline
▲ 0.50% · 4.625%
HK$143,294
+HK$8,219/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,150/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,402
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,194
−HK$3,848/mo
Today · 4.125%
HK$149,042
baseline
▲ 0.50% · 4.625%
HK$156,898
+HK$7,856/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,084/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,111 · Scale 2, in force from 26 Feb 2026)