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$79,628
+HK$4,568/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$1,316,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,576
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,684
−HK$2,138/mo
Today · 4.125%
HK$82,822
baseline
▲ 0.50% · 4.625%
HK$87,187
+HK$4,365/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,644/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,441 · 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$1,316,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,292
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,821
−HK$2,565/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$1,316,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,884
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,959
−HK$3,125/mo
Today · 4.125%
HK$105,084
baseline
▲ 0.50% · 4.625%
HK$111,479
+HK$6,395/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$1,316,441 · 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$1,316,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,136
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,091
−HK$4,018/mo
Today · 4.125%
HK$135,109
baseline
▲ 0.50% · 4.625%
HK$143,330
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,218/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,438
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,231
−HK$3,848/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$1,316,441 · Scale 2, in force from 26 Feb 2026)