LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,739
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,939
−HK$2,236/mo
Today · 4.125%
HK$75,175
baseline
▲ 0.50% · 4.625%
HK$79,749
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,350/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,696
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,807
−HK$2,141/mo
Today · 4.125%
HK$82,948
baseline
▲ 0.50% · 4.625%
HK$87,320
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,896/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,887
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,527
−HK$2,683/mo
Today · 4.125%
HK$90,210
baseline
▲ 0.50% · 4.625%
HK$95,699
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,420/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,435
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,968
−HK$2,569/mo
Today · 4.125%
HK$99,537
baseline
▲ 0.50% · 4.625%
HK$104,784
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,074/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,034
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,115
−HK$3,130/mo
Today · 4.125%
HK$105,245
baseline
▲ 0.50% · 4.625%
HK$111,648
+HK$6,403/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,490/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,175
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,129
−HK$2,998/mo
Today · 4.125%
HK$116,127
baseline
▲ 0.50% · 4.625%
HK$122,248
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,254/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,330
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,290
−HK$4,024/mo
Today · 4.125%
HK$135,314
baseline
▲ 0.50% · 4.625%
HK$143,548
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,628/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,653
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,452
−HK$3,854/mo
Today · 4.125%
HK$149,306
baseline
▲ 0.50% · 4.625%
HK$157,176
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,612/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,447 · Scale 2, in force from 26 Feb 2026)