LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,631
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,828
−HK$2,232/mo
Today · 4.125%
HK$75,060
baseline
▲ 0.50% · 4.625%
HK$79,627
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,120/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,576
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,684
−HK$2,137/mo
Today · 4.125%
HK$82,821
baseline
▲ 0.50% · 4.625%
HK$87,187
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,642/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,757
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,394
−HK$2,678/mo
Today · 4.125%
HK$90,072
baseline
▲ 0.50% · 4.625%
HK$95,553
+HK$5,481/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,144/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,291
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,820
−HK$2,566/mo
Today · 4.125%
HK$99,386
baseline
▲ 0.50% · 4.625%
HK$104,625
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,772/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,883
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,959
−HK$3,125/mo
Today · 4.125%
HK$105,084
baseline
▲ 0.50% · 4.625%
HK$111,478
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,168/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,007
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,957
−HK$2,993/mo
Today · 4.125%
HK$115,950
baseline
▲ 0.50% · 4.625%
HK$122,062
+HK$6,112/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,900/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,136
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,090
−HK$4,018/mo
Today · 4.125%
HK$135,108
baseline
▲ 0.50% · 4.625%
HK$143,329
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,216/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,437
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,230
−HK$3,849/mo
Today · 4.125%
HK$149,079
baseline
▲ 0.50% · 4.625%
HK$156,937
+HK$7,858/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,158/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,438 · Scale 2, in force from 26 Feb 2026)