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$79,631
+HK$4,568/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$1,316,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,580
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,687
−HK$2,138/mo
Today · 4.125%
HK$82,825
baseline
▲ 0.50% · 4.625%
HK$87,191
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,650/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,761
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,397
−HK$2,679/mo
Today · 4.125%
HK$90,076
baseline
▲ 0.50% · 4.625%
HK$95,557
+HK$5,481/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,152/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,296
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,824
−HK$2,566/mo
Today · 4.125%
HK$99,390
baseline
▲ 0.50% · 4.625%
HK$104,629
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,780/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,888
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,964
−HK$3,125/mo
Today · 4.125%
HK$105,089
baseline
▲ 0.50% · 4.625%
HK$111,483
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,178/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,011
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,962
−HK$2,993/mo
Today · 4.125%
HK$115,955
baseline
▲ 0.50% · 4.625%
HK$122,067
+HK$6,112/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,910/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,141
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,096
−HK$4,018/mo
Today · 4.125%
HK$135,114
baseline
▲ 0.50% · 4.625%
HK$143,335
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,228/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,443
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,237
−HK$3,848/mo
Today · 4.125%
HK$149,085
baseline
▲ 0.50% · 4.625%
HK$156,944
+HK$7,859/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,170/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,495 · Scale 2, in force from 26 Feb 2026)