LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,697
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,896
−HK$2,235/mo
Today · 4.125%
HK$75,131
baseline
▲ 0.50% · 4.625%
HK$79,702
+HK$4,571/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,262/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,650
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,759
−HK$2,140/mo
Today · 4.125%
HK$82,899
baseline
▲ 0.50% · 4.625%
HK$87,269
+HK$4,370/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,798/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,837
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,476
−HK$2,681/mo
Today · 4.125%
HK$90,157
baseline
▲ 0.50% · 4.625%
HK$95,643
+HK$5,486/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$180,314/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,380
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,911
−HK$2,568/mo
Today · 4.125%
HK$99,479
baseline
▲ 0.50% · 4.625%
HK$104,723
+HK$5,244/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$198,958/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,976
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,055
−HK$3,128/mo
Today · 4.125%
HK$105,183
baseline
▲ 0.50% · 4.625%
HK$111,583
+HK$6,400/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$210,366/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,110
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,063
−HK$2,996/mo
Today · 4.125%
HK$116,059
baseline
▲ 0.50% · 4.625%
HK$122,177
+HK$6,118/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$232,118/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,255
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,214
−HK$4,021/mo
Today · 4.125%
HK$135,235
baseline
▲ 0.50% · 4.625%
HK$143,464
+HK$8,229/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$270,470/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,570
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$145,367
−HK$3,852/mo
Today · 4.125%
HK$149,219
baseline
▲ 0.50% · 4.625%
HK$157,084
+HK$7,865/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$298,438/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,676 · Scale 2, in force from 26 Feb 2026)