LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,710
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,909
−HK$2,235/mo
Today · 4.125%
HK$75,144
baseline
▲ 0.50% · 4.625%
HK$79,716
+HK$4,572/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,288/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,664
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,773
−HK$2,141/mo
Today · 4.125%
HK$82,914
baseline
▲ 0.50% · 4.625%
HK$87,284
+HK$4,370/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,828/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,852
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,491
−HK$2,681/mo
Today · 4.125%
HK$90,172
baseline
▲ 0.50% · 4.625%
HK$95,659
+HK$5,487/mo
Deposit HK$12.40M · loan HK$18.61M · min. income ≈ HK$180,344/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,396
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,928
−HK$2,568/mo
Today · 4.125%
HK$99,496
baseline
▲ 0.50% · 4.625%
HK$104,741
+HK$5,245/mo
Deposit HK$12.40M · loan HK$18.61M · min. income ≈ HK$198,992/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,993
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,073
−HK$3,128/mo
Today · 4.125%
HK$105,201
baseline
▲ 0.50% · 4.625%
HK$111,602
+HK$6,401/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$210,402/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,129
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,083
−HK$2,996/mo
Today · 4.125%
HK$116,079
baseline
▲ 0.50% · 4.625%
HK$122,198
+HK$6,119/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$232,158/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,277
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$131,236
−HK$4,023/mo
Today · 4.125%
HK$135,259
baseline
▲ 0.50% · 4.625%
HK$143,489
+HK$8,230/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$270,518/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,595
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$145,392
−HK$3,853/mo
Today · 4.125%
HK$149,245
baseline
▲ 0.50% · 4.625%
HK$157,112
+HK$7,867/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$298,490/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,904 · Scale 2, in force from 26 Feb 2026)