LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,653
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,850
−HK$2,233/mo
Today · 4.125%
HK$75,083
baseline
▲ 0.50% · 4.625%
HK$79,652
+HK$4,569/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,166/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,600
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,708
−HK$2,139/mo
Today · 4.125%
HK$82,847
baseline
▲ 0.50% · 4.625%
HK$87,214
+HK$4,367/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,694/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,783
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,680/mo
Today · 4.125%
HK$90,100
baseline
▲ 0.50% · 4.625%
HK$95,582
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,200/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,850
−HK$2,566/mo
Today · 4.125%
HK$99,416
baseline
▲ 0.50% · 4.625%
HK$104,657
+HK$5,241/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,832/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,914
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,990
−HK$3,126/mo
Today · 4.125%
HK$105,116
baseline
▲ 0.50% · 4.625%
HK$111,512
+HK$6,396/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,232/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,040
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$112,992
−HK$2,994/mo
Today · 4.125%
HK$115,986
baseline
▲ 0.50% · 4.625%
HK$122,099
+HK$6,113/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,972/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,175
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,131
−HK$4,019/mo
Today · 4.125%
HK$135,150
baseline
▲ 0.50% · 4.625%
HK$143,373
+HK$8,223/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,300/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,481
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,275
−HK$3,849/mo
Today · 4.125%
HK$149,124
baseline
▲ 0.50% · 4.625%
HK$156,985
+HK$7,861/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,248/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,841 · Scale 2, in force from 26 Feb 2026)