LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,641
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,838
−HK$2,233/mo
Today · 4.125%
HK$75,071
baseline
▲ 0.50% · 4.625%
HK$79,639
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,142/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,587
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,695
−HK$2,138/mo
Today · 4.125%
HK$82,833
baseline
▲ 0.50% · 4.625%
HK$87,199
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,666/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,769
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,406
−HK$2,679/mo
Today · 4.125%
HK$90,085
baseline
▲ 0.50% · 4.625%
HK$95,566
+HK$5,481/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,170/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,305
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,834
−HK$2,566/mo
Today · 4.125%
HK$99,400
baseline
▲ 0.50% · 4.625%
HK$104,639
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,800/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,897
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,973
−HK$3,126/mo
Today · 4.125%
HK$105,099
baseline
▲ 0.50% · 4.625%
HK$111,494
+HK$6,395/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$210,198/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,022
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,973
−HK$2,993/mo
Today · 4.125%
HK$115,966
baseline
▲ 0.50% · 4.625%
HK$122,079
+HK$6,113/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$231,932/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,154
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,109
−HK$4,018/mo
Today · 4.125%
HK$135,127
baseline
▲ 0.50% · 4.625%
HK$143,349
+HK$8,222/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,254/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,457
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,251
−HK$3,849/mo
Today · 4.125%
HK$149,100
baseline
▲ 0.50% · 4.625%
HK$156,959
+HK$7,859/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,200/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,623 · Scale 2, in force from 26 Feb 2026)