LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,702
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,901
−HK$2,235/mo
Today · 4.125%
HK$75,136
baseline
▲ 0.50% · 4.625%
HK$79,708
+HK$4,572/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,272/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,655
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,765
−HK$2,140/mo
Today · 4.125%
HK$82,905
baseline
▲ 0.50% · 4.625%
HK$87,275
+HK$4,370/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,810/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,843
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,482
−HK$2,681/mo
Today · 4.125%
HK$90,163
baseline
▲ 0.50% · 4.625%
HK$95,649
+HK$5,486/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$180,326/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,386
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,918
−HK$2,568/mo
Today · 4.125%
HK$99,486
baseline
▲ 0.50% · 4.625%
HK$104,730
+HK$5,244/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$198,972/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,983
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,062
−HK$3,128/mo
Today · 4.125%
HK$105,190
baseline
▲ 0.50% · 4.625%
HK$111,591
+HK$6,401/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$210,380/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,118
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,071
−HK$2,996/mo
Today · 4.125%
HK$116,067
baseline
▲ 0.50% · 4.625%
HK$122,185
+HK$6,118/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$232,134/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,264
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,222
−HK$4,022/mo
Today · 4.125%
HK$135,244
baseline
▲ 0.50% · 4.625%
HK$143,474
+HK$8,230/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$270,488/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,580
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$145,377
−HK$3,852/mo
Today · 4.125%
HK$149,229
baseline
▲ 0.50% · 4.625%
HK$157,095
+HK$7,866/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$298,458/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,764 · Scale 2, in force from 26 Feb 2026)