LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,750
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$2,236/mo
Today · 4.125%
HK$75,187
baseline
▲ 0.50% · 4.625%
HK$79,762
+HK$4,575/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,374/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,709
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,820
−HK$2,141/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$87,334
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,900
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,541
−HK$2,683/mo
Today · 4.125%
HK$90,224
baseline
▲ 0.50% · 4.625%
HK$95,714
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,448/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,451
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,984
−HK$2,569/mo
Today · 4.125%
HK$99,553
baseline
▲ 0.50% · 4.625%
HK$104,801
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,106/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,050
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,131
−HK$3,130/mo
Today · 4.125%
HK$105,261
baseline
▲ 0.50% · 4.625%
HK$111,666
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,522/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,192
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,148
−HK$2,998/mo
Today · 4.125%
HK$116,146
baseline
▲ 0.50% · 4.625%
HK$122,268
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,292/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,350
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$131,311
−HK$4,025/mo
Today · 4.125%
HK$135,336
baseline
▲ 0.50% · 4.625%
HK$143,571
+HK$8,235/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,672/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,676
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,475
−HK$3,855/mo
Today · 4.125%
HK$149,330
baseline
▲ 0.50% · 4.625%
HK$157,201
+HK$7,871/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,660/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,659 · Scale 2, in force from 26 Feb 2026)