LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,648
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,845
−HK$2,233/mo
Today · 4.125%
HK$75,078
baseline
▲ 0.50% · 4.625%
HK$79,646
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,156/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,595
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,703
−HK$2,138/mo
Today · 4.125%
HK$82,841
baseline
▲ 0.50% · 4.625%
HK$87,208
+HK$4,367/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,682/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,777
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,414
−HK$2,679/mo
Today · 4.125%
HK$90,093
baseline
▲ 0.50% · 4.625%
HK$95,575
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,186/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,314
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,843
−HK$2,566/mo
Today · 4.125%
HK$99,409
baseline
▲ 0.50% · 4.625%
HK$104,649
+HK$5,240/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,818/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,907
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,983
−HK$3,126/mo
Today · 4.125%
HK$105,109
baseline
▲ 0.50% · 4.625%
HK$111,505
+HK$6,396/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$210,218/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,033
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,984
−HK$2,993/mo
Today · 4.125%
HK$115,977
baseline
▲ 0.50% · 4.625%
HK$122,091
+HK$6,114/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$231,954/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,166
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$131,121
−HK$4,019/mo
Today · 4.125%
HK$135,140
baseline
▲ 0.50% · 4.625%
HK$143,363
+HK$8,223/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,280/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,471
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,265
−HK$3,849/mo
Today · 4.125%
HK$149,114
baseline
▲ 0.50% · 4.625%
HK$156,974
+HK$7,860/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,228/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,750 · Scale 2, in force from 26 Feb 2026)