LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,775
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,976
−HK$2,237/mo
Today · 4.125%
HK$75,213
baseline
▲ 0.50% · 4.625%
HK$79,790
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,426/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,736
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,848
−HK$2,142/mo
Today · 4.125%
HK$82,990
baseline
▲ 0.50% · 4.625%
HK$87,365
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,980/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,930
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,572
−HK$2,684/mo
Today · 4.125%
HK$90,256
baseline
▲ 0.50% · 4.625%
HK$95,747
+HK$5,491/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,512/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,484
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,018
−HK$2,570/mo
Today · 4.125%
HK$99,588
baseline
▲ 0.50% · 4.625%
HK$104,838
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,176/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,085
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,167
−HK$3,131/mo
Today · 4.125%
HK$105,298
baseline
▲ 0.50% · 4.625%
HK$111,705
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,596/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,231
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,187
−HK$2,999/mo
Today · 4.125%
HK$116,186
baseline
▲ 0.50% · 4.625%
HK$122,311
+HK$6,125/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,372/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,395
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,357
−HK$4,026/mo
Today · 4.125%
HK$135,383
baseline
▲ 0.50% · 4.625%
HK$143,621
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,766/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,725
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,526
−HK$3,856/mo
Today · 4.125%
HK$149,382
baseline
▲ 0.50% · 4.625%
HK$157,256
+HK$7,874/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,764/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,120 · Scale 2, in force from 26 Feb 2026)