LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,616
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,812
−HK$2,232/mo
Today · 4.125%
HK$75,044
baseline
▲ 0.50% · 4.625%
HK$79,610
+HK$4,566/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,088/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,559
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,666
−HK$2,138/mo
Today · 4.125%
HK$82,804
baseline
▲ 0.50% · 4.625%
HK$87,168
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,608/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,739
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,375
−HK$2,678/mo
Today · 4.125%
HK$90,053
baseline
▲ 0.50% · 4.625%
HK$95,532
+HK$5,479/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,106/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,271
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,799
−HK$2,565/mo
Today · 4.125%
HK$99,364
baseline
▲ 0.50% · 4.625%
HK$104,602
+HK$5,238/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,728/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,862
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,937
−HK$3,124/mo
Today · 4.125%
HK$105,061
baseline
▲ 0.50% · 4.625%
HK$111,454
+HK$6,393/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,122/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,983
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,933
−HK$2,992/mo
Today · 4.125%
HK$115,925
baseline
▲ 0.50% · 4.625%
HK$122,036
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,850/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,108
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,062
−HK$4,017/mo
Today · 4.125%
HK$135,079
baseline
▲ 0.50% · 4.625%
HK$143,298
+HK$8,219/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,158/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,407
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,199
−HK$3,847/mo
Today · 4.125%
HK$149,046
baseline
▲ 0.50% · 4.625%
HK$156,903
+HK$7,857/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,092/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,154 · Scale 2, in force from 26 Feb 2026)