LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,636
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,833
−HK$2,233/mo
Today · 4.125%
HK$75,066
baseline
▲ 0.50% · 4.625%
HK$79,633
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,132/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,582
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,690
−HK$2,138/mo
Today · 4.125%
HK$82,828
baseline
▲ 0.50% · 4.625%
HK$87,194
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,656/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,764
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,400
−HK$2,679/mo
Today · 4.125%
HK$90,079
baseline
▲ 0.50% · 4.625%
HK$95,560
+HK$5,481/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,158/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,299
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,828
−HK$2,565/mo
Today · 4.125%
HK$99,393
baseline
▲ 0.50% · 4.625%
HK$104,632
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,786/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,891
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,967
−HK$3,125/mo
Today · 4.125%
HK$105,092
baseline
▲ 0.50% · 4.625%
HK$111,487
+HK$6,395/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,184/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,015
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,966
−HK$2,993/mo
Today · 4.125%
HK$115,959
baseline
▲ 0.50% · 4.625%
HK$122,071
+HK$6,112/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,918/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,145
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,100
−HK$4,018/mo
Today · 4.125%
HK$135,118
baseline
▲ 0.50% · 4.625%
HK$143,340
+HK$8,222/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,236/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,448
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,241
−HK$3,849/mo
Today · 4.125%
HK$149,090
baseline
▲ 0.50% · 4.625%
HK$156,949
+HK$7,859/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,180/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,538 · Scale 2, in force from 26 Feb 2026)