LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,741
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,941
−HK$2,236/mo
Today · 4.125%
HK$75,177
baseline
▲ 0.50% · 4.625%
HK$79,751
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,354/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,699
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,809
−HK$2,142/mo
Today · 4.125%
HK$82,951
baseline
▲ 0.50% · 4.625%
HK$87,323
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,902/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,889
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,530
−HK$2,683/mo
Today · 4.125%
HK$90,213
baseline
▲ 0.50% · 4.625%
HK$95,702
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,426/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,438
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,971
−HK$2,570/mo
Today · 4.125%
HK$99,541
baseline
▲ 0.50% · 4.625%
HK$104,788
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,082/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,037
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,118
−HK$3,130/mo
Today · 4.125%
HK$105,248
baseline
▲ 0.50% · 4.625%
HK$111,652
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,496/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,178
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,133
−HK$2,998/mo
Today · 4.125%
HK$116,131
baseline
▲ 0.50% · 4.625%
HK$122,252
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,262/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,334
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,295
−HK$4,024/mo
Today · 4.125%
HK$135,319
baseline
▲ 0.50% · 4.625%
HK$143,553
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,638/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,658
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,457
−HK$3,854/mo
Today · 4.125%
HK$149,311
baseline
▲ 0.50% · 4.625%
HK$157,181
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,622/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,490 · Scale 2, in force from 26 Feb 2026)