LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,733
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,933
−HK$2,236/mo
Today · 4.125%
HK$75,169
baseline
▲ 0.50% · 4.625%
HK$79,743
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,338/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,690
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,800
−HK$2,141/mo
Today · 4.125%
HK$82,941
baseline
▲ 0.50% · 4.625%
HK$87,313
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,882/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,880
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,520
−HK$2,682/mo
Today · 4.125%
HK$90,202
baseline
▲ 0.50% · 4.625%
HK$95,691
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,404/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,428
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,960
−HK$2,570/mo
Today · 4.125%
HK$99,530
baseline
▲ 0.50% · 4.625%
HK$104,776
+HK$5,246/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,060/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,026
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,107
−HK$3,129/mo
Today · 4.125%
HK$105,236
baseline
▲ 0.50% · 4.625%
HK$111,640
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.71M · min. income ≈ HK$210,472/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,166
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,120
−HK$2,998/mo
Today · 4.125%
HK$116,118
baseline
▲ 0.50% · 4.625%
HK$122,238
+HK$6,120/mo
Deposit HK$9.31M · loan HK$21.71M · min. income ≈ HK$232,236/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,320
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,280
−HK$4,024/mo
Today · 4.125%
HK$135,304
baseline
▲ 0.50% · 4.625%
HK$143,537
+HK$8,233/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,608/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,642
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$145,441
−HK$3,853/mo
Today · 4.125%
HK$149,294
baseline
▲ 0.50% · 4.625%
HK$157,164
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,588/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,342 · Scale 2, in force from 26 Feb 2026)