LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,765
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,966
−HK$2,236/mo
Today · 4.125%
HK$75,202
baseline
▲ 0.50% · 4.625%
HK$79,778
+HK$4,576/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,404/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,725
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,837
−HK$2,141/mo
Today · 4.125%
HK$82,978
baseline
▲ 0.50% · 4.625%
HK$87,352
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,956/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,918
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,559
−HK$2,684/mo
Today · 4.125%
HK$90,243
baseline
▲ 0.50% · 4.625%
HK$95,734
+HK$5,491/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,486/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,470
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,004
−HK$2,570/mo
Today · 4.125%
HK$99,574
baseline
▲ 0.50% · 4.625%
HK$104,823
+HK$5,249/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,148/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,071
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,152
−HK$3,131/mo
Today · 4.125%
HK$105,283
baseline
▲ 0.50% · 4.625%
HK$111,690
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,566/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,215
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,171
−HK$2,999/mo
Today · 4.125%
HK$116,170
baseline
▲ 0.50% · 4.625%
HK$122,293
+HK$6,123/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,340/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,377
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$131,339
−HK$4,025/mo
Today · 4.125%
HK$135,364
baseline
▲ 0.50% · 4.625%
HK$143,601
+HK$8,237/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,728/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,705
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$145,506
−HK$3,855/mo
Today · 4.125%
HK$149,361
baseline
▲ 0.50% · 4.625%
HK$157,234
+HK$7,873/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,722/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,933 · Scale 2, in force from 26 Feb 2026)