LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,632
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,830
−HK$2,232/mo
Today · 4.125%
HK$75,062
baseline
▲ 0.50% · 4.625%
HK$79,629
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,124/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,578
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,685
−HK$2,138/mo
Today · 4.125%
HK$82,823
baseline
▲ 0.50% · 4.625%
HK$87,189
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,646/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,759
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,395
−HK$2,679/mo
Today · 4.125%
HK$90,074
baseline
▲ 0.50% · 4.625%
HK$95,555
+HK$5,481/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,148/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,293
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,822
−HK$2,566/mo
Today · 4.125%
HK$99,388
baseline
▲ 0.50% · 4.625%
HK$104,627
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,776/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,885
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,961
−HK$3,125/mo
Today · 4.125%
HK$105,086
baseline
▲ 0.50% · 4.625%
HK$111,481
+HK$6,395/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,172/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,009
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,959
−HK$2,994/mo
Today · 4.125%
HK$115,953
baseline
▲ 0.50% · 4.625%
HK$122,065
+HK$6,112/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,906/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,138
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,093
−HK$4,018/mo
Today · 4.125%
HK$135,111
baseline
▲ 0.50% · 4.625%
HK$143,332
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,222/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,440
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,234
−HK$3,848/mo
Today · 4.125%
HK$149,082
baseline
▲ 0.50% · 4.625%
HK$156,940
+HK$7,858/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,164/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,466 · Scale 2, in force from 26 Feb 2026)