LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,646
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,843
−HK$2,233/mo
Today · 4.125%
HK$75,076
baseline
▲ 0.50% · 4.625%
HK$79,644
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,152/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,593
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,701
−HK$2,138/mo
Today · 4.125%
HK$82,839
baseline
▲ 0.50% · 4.625%
HK$87,205
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,678/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,775
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,412
−HK$2,679/mo
Today · 4.125%
HK$90,091
baseline
▲ 0.50% · 4.625%
HK$95,573
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,182/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,311
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,841
−HK$2,566/mo
Today · 4.125%
HK$99,407
baseline
▲ 0.50% · 4.625%
HK$104,647
+HK$5,240/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,814/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,904
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,981
−HK$3,125/mo
Today · 4.125%
HK$105,106
baseline
▲ 0.50% · 4.625%
HK$111,502
+HK$6,396/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$210,212/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,030
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,981
−HK$2,993/mo
Today · 4.125%
HK$115,974
baseline
▲ 0.50% · 4.625%
HK$122,088
+HK$6,114/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$231,948/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,162
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,118
−HK$4,019/mo
Today · 4.125%
HK$135,137
baseline
▲ 0.50% · 4.625%
HK$143,359
+HK$8,222/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,274/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,467
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,261
−HK$3,849/mo
Today · 4.125%
HK$149,110
baseline
▲ 0.50% · 4.625%
HK$156,970
+HK$7,860/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,220/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,715 · Scale 2, in force from 26 Feb 2026)