LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,749
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$2,235/mo
Today · 4.125%
HK$75,185
baseline
▲ 0.50% · 4.625%
HK$79,760
+HK$4,575/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,370/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,707
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,818
−HK$2,142/mo
Today · 4.125%
HK$82,960
baseline
▲ 0.50% · 4.625%
HK$87,333
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,920/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,899
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,540
−HK$2,683/mo
Today · 4.125%
HK$90,223
baseline
▲ 0.50% · 4.625%
HK$95,712
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,446/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,449
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,982
−HK$2,570/mo
Today · 4.125%
HK$99,552
baseline
▲ 0.50% · 4.625%
HK$104,799
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,104/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,048
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,129
−HK$3,131/mo
Today · 4.125%
HK$105,260
baseline
▲ 0.50% · 4.625%
HK$111,664
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,520/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,190
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,146
−HK$2,998/mo
Today · 4.125%
HK$116,144
baseline
▲ 0.50% · 4.625%
HK$122,266
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,288/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,348
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$131,309
−HK$4,025/mo
Today · 4.125%
HK$135,334
baseline
▲ 0.50% · 4.625%
HK$143,569
+HK$8,235/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,668/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,673
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$145,473
−HK$3,855/mo
Today · 4.125%
HK$149,328
baseline
▲ 0.50% · 4.625%
HK$157,199
+HK$7,871/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,656/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,637 · Scale 2, in force from 26 Feb 2026)