LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,634
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,831
−HK$2,232/mo
Today · 4.125%
HK$75,063
baseline
▲ 0.50% · 4.625%
HK$79,630
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,126/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,579
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,687
−HK$2,137/mo
Today · 4.125%
HK$82,824
baseline
▲ 0.50% · 4.625%
HK$87,190
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,648/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,760
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,397
−HK$2,678/mo
Today · 4.125%
HK$90,075
baseline
▲ 0.50% · 4.625%
HK$95,556
+HK$5,481/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,150/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,295
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,824
−HK$2,565/mo
Today · 4.125%
HK$99,389
baseline
▲ 0.50% · 4.625%
HK$104,628
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,778/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,887
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,963
−HK$3,125/mo
Today · 4.125%
HK$105,088
baseline
▲ 0.50% · 4.625%
HK$111,482
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,176/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,011
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,961
−HK$2,993/mo
Today · 4.125%
HK$115,954
baseline
▲ 0.50% · 4.625%
HK$122,066
+HK$6,112/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,908/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,140
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,095
−HK$4,018/mo
Today · 4.125%
HK$135,113
baseline
▲ 0.50% · 4.625%
HK$143,334
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,226/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,442
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,236
−HK$3,848/mo
Today · 4.125%
HK$149,084
baseline
▲ 0.50% · 4.625%
HK$156,942
+HK$7,858/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,168/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,486 · Scale 2, in force from 26 Feb 2026)