LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,702
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,901
−HK$2,234/mo
Today · 4.125%
HK$75,135
baseline
▲ 0.50% · 4.625%
HK$79,707
+HK$4,572/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,270/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,655
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,764
−HK$2,140/mo
Today · 4.125%
HK$82,904
baseline
▲ 0.50% · 4.625%
HK$87,274
+HK$4,370/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,808/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,842
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,481
−HK$2,681/mo
Today · 4.125%
HK$90,162
baseline
▲ 0.50% · 4.625%
HK$95,648
+HK$5,486/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$180,324/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,386
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,917
−HK$2,568/mo
Today · 4.125%
HK$99,485
baseline
▲ 0.50% · 4.625%
HK$104,729
+HK$5,244/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$198,970/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,982
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,061
−HK$3,128/mo
Today · 4.125%
HK$105,189
baseline
▲ 0.50% · 4.625%
HK$111,590
+HK$6,401/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$210,378/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,117
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,070
−HK$2,996/mo
Today · 4.125%
HK$116,066
baseline
▲ 0.50% · 4.625%
HK$122,184
+HK$6,118/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$232,132/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,263
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,222
−HK$4,021/mo
Today · 4.125%
HK$135,243
baseline
▲ 0.50% · 4.625%
HK$143,473
+HK$8,230/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$270,486/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,579
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$145,376
−HK$3,852/mo
Today · 4.125%
HK$149,228
baseline
▲ 0.50% · 4.625%
HK$157,094
+HK$7,866/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$298,456/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,756 · Scale 2, in force from 26 Feb 2026)