LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,746
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,947
−HK$2,236/mo
Today · 4.125%
HK$75,183
baseline
▲ 0.50% · 4.625%
HK$79,758
+HK$4,575/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,366/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,705
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,815
−HK$2,142/mo
Today · 4.125%
HK$82,957
baseline
▲ 0.50% · 4.625%
HK$87,330
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,914/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,896
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,536
−HK$2,683/mo
Today · 4.125%
HK$90,219
baseline
▲ 0.50% · 4.625%
HK$95,709
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,438/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,446
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,979
−HK$2,569/mo
Today · 4.125%
HK$99,548
baseline
▲ 0.50% · 4.625%
HK$104,796
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,096/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,045
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,126
−HK$3,130/mo
Today · 4.125%
HK$105,256
baseline
▲ 0.50% · 4.625%
HK$111,661
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,512/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,187
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,142
−HK$2,998/mo
Today · 4.125%
HK$116,140
baseline
▲ 0.50% · 4.625%
HK$122,261
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,280/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,344
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,305
−HK$4,024/mo
Today · 4.125%
HK$135,329
baseline
▲ 0.50% · 4.625%
HK$143,564
+HK$8,235/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,658/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,668
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,468
−HK$3,854/mo
Today · 4.125%
HK$149,322
baseline
▲ 0.50% · 4.625%
HK$157,193
+HK$7,871/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,644/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,590 · Scale 2, in force from 26 Feb 2026)