LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,625
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,822
−HK$2,232/mo
Today · 4.125%
HK$75,054
baseline
▲ 0.50% · 4.625%
HK$79,620
+HK$4,566/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,108/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,569
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,677
−HK$2,137/mo
Today · 4.125%
HK$82,814
baseline
▲ 0.50% · 4.625%
HK$87,179
+HK$4,365/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,628/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,750
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,386
−HK$2,678/mo
Today · 4.125%
HK$90,064
baseline
▲ 0.50% · 4.625%
HK$95,544
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,128/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,283
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,812
−HK$2,565/mo
Today · 4.125%
HK$99,377
baseline
▲ 0.50% · 4.625%
HK$104,615
+HK$5,238/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,754/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,875
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,950
−HK$3,125/mo
Today · 4.125%
HK$105,075
baseline
▲ 0.50% · 4.625%
HK$111,469
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,150/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,997
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,947
−HK$2,993/mo
Today · 4.125%
HK$115,940
baseline
▲ 0.50% · 4.625%
HK$122,051
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,880/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,125
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,079
−HK$4,017/mo
Today · 4.125%
HK$135,096
baseline
▲ 0.50% · 4.625%
HK$143,317
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,192/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,425
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,218
−HK$3,848/mo
Today · 4.125%
HK$149,066
baseline
▲ 0.50% · 4.625%
HK$156,923
+HK$7,857/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,132/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,322 · Scale 2, in force from 26 Feb 2026)