LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,743
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,944
−HK$2,236/mo
Today · 4.125%
HK$75,180
baseline
▲ 0.50% · 4.625%
HK$79,754
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,360/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,701
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,812
−HK$2,141/mo
Today · 4.125%
HK$82,953
baseline
▲ 0.50% · 4.625%
HK$87,326
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,906/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,892
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,533
−HK$2,682/mo
Today · 4.125%
HK$90,215
baseline
▲ 0.50% · 4.625%
HK$95,705
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,430/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,441
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,974
−HK$2,570/mo
Today · 4.125%
HK$99,544
baseline
▲ 0.50% · 4.625%
HK$104,791
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,088/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,041
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,121
−HK$3,130/mo
Today · 4.125%
HK$105,251
baseline
▲ 0.50% · 4.625%
HK$111,656
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,502/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,182
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,137
−HK$2,998/mo
Today · 4.125%
HK$116,135
baseline
▲ 0.50% · 4.625%
HK$122,256
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,270/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,338
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,299
−HK$4,024/mo
Today · 4.125%
HK$135,323
baseline
▲ 0.50% · 4.625%
HK$143,557
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,646/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,662
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,462
−HK$3,854/mo
Today · 4.125%
HK$149,316
baseline
▲ 0.50% · 4.625%
HK$157,186
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,632/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,533 · Scale 2, in force from 26 Feb 2026)