LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,758
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,958
−HK$2,237/mo
Today · 4.125%
HK$75,195
baseline
▲ 0.50% · 4.625%
HK$79,770
+HK$4,575/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,390/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,717
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,828
−HK$2,142/mo
Today · 4.125%
HK$82,970
baseline
▲ 0.50% · 4.625%
HK$87,343
+HK$4,373/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,940/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,909
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,550
−HK$2,684/mo
Today · 4.125%
HK$90,234
baseline
▲ 0.50% · 4.625%
HK$95,724
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,468/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,460
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$96,994
−HK$2,570/mo
Today · 4.125%
HK$99,564
baseline
▲ 0.50% · 4.625%
HK$104,812
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,128/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,061
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,142
−HK$3,131/mo
Today · 4.125%
HK$105,273
baseline
▲ 0.50% · 4.625%
HK$111,678
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,546/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,204
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,159
−HK$2,999/mo
Today · 4.125%
HK$116,158
baseline
▲ 0.50% · 4.625%
HK$122,281
+HK$6,123/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,316/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,364
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$131,325
−HK$4,025/mo
Today · 4.125%
HK$135,350
baseline
▲ 0.50% · 4.625%
HK$143,586
+HK$8,236/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,700/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,691
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$145,491
−HK$3,855/mo
Today · 4.125%
HK$149,346
baseline
▲ 0.50% · 4.625%
HK$157,218
+HK$7,872/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,692/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,797 · Scale 2, in force from 26 Feb 2026)