LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,657
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,855
−HK$2,233/mo
Today · 4.125%
HK$75,088
baseline
▲ 0.50% · 4.625%
HK$79,656
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,176/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,605
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,713
−HK$2,139/mo
Today · 4.125%
HK$82,852
baseline
▲ 0.50% · 4.625%
HK$87,219
+HK$4,367/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,704/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,788
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,426
−HK$2,679/mo
Today · 4.125%
HK$90,105
baseline
▲ 0.50% · 4.625%
HK$95,588
+HK$5,483/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,210/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,326
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,856
−HK$2,566/mo
Today · 4.125%
HK$99,422
baseline
▲ 0.50% · 4.625%
HK$104,663
+HK$5,241/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,844/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,919
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$101,996
−HK$3,127/mo
Today · 4.125%
HK$105,123
baseline
▲ 0.50% · 4.625%
HK$111,519
+HK$6,396/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,246/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,047
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,998
−HK$2,994/mo
Today · 4.125%
HK$115,992
baseline
▲ 0.50% · 4.625%
HK$122,107
+HK$6,115/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,984/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,182
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$131,138
−HK$4,020/mo
Today · 4.125%
HK$135,158
baseline
▲ 0.50% · 4.625%
HK$143,382
+HK$8,224/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,316/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,489
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,284
−HK$3,849/mo
Today · 4.125%
HK$149,133
baseline
▲ 0.50% · 4.625%
HK$156,994
+HK$7,861/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,266/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,919 · Scale 2, in force from 26 Feb 2026)