LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,756
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,957
−HK$2,236/mo
Today · 4.125%
HK$75,193
baseline
▲ 0.50% · 4.625%
HK$79,769
+HK$4,576/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,386/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,716
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,827
−HK$2,141/mo
Today · 4.125%
HK$82,968
baseline
▲ 0.50% · 4.625%
HK$87,342
+HK$4,374/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,936/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,907
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,549
−HK$2,683/mo
Today · 4.125%
HK$90,232
baseline
▲ 0.50% · 4.625%
HK$95,722
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,464/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,459
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,992
−HK$2,570/mo
Today · 4.125%
HK$99,562
baseline
▲ 0.50% · 4.625%
HK$104,810
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,124/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,059
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,140
−HK$3,131/mo
Today · 4.125%
HK$105,271
baseline
▲ 0.50% · 4.625%
HK$111,676
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,542/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,202
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,157
−HK$2,999/mo
Today · 4.125%
HK$116,156
baseline
▲ 0.50% · 4.625%
HK$122,278
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,312/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,361
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$131,323
−HK$4,025/mo
Today · 4.125%
HK$135,348
baseline
▲ 0.50% · 4.625%
HK$143,583
+HK$8,235/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,696/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,688
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$145,488
−HK$3,855/mo
Today · 4.125%
HK$149,343
baseline
▲ 0.50% · 4.625%
HK$157,215
+HK$7,872/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,686/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,772 · Scale 2, in force from 26 Feb 2026)