LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,778
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,980
−HK$2,237/mo
Today · 4.125%
HK$75,217
baseline
▲ 0.50% · 4.625%
HK$79,794
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,434/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,740
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,852
−HK$2,142/mo
Today · 4.125%
HK$82,994
baseline
▲ 0.50% · 4.625%
HK$87,369
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,988/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,934
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,576
−HK$2,684/mo
Today · 4.125%
HK$90,260
baseline
▲ 0.50% · 4.625%
HK$95,752
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,520/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,488
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,023
−HK$2,570/mo
Today · 4.125%
HK$99,593
baseline
▲ 0.50% · 4.625%
HK$104,843
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,186/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,090
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,172
−HK$3,132/mo
Today · 4.125%
HK$105,304
baseline
▲ 0.50% · 4.625%
HK$111,711
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,608/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,236
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,193
−HK$2,999/mo
Today · 4.125%
HK$116,192
baseline
▲ 0.50% · 4.625%
HK$122,317
+HK$6,125/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,384/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,401
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,364
−HK$4,026/mo
Today · 4.125%
HK$135,390
baseline
▲ 0.50% · 4.625%
HK$143,629
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,780/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,733
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,534
−HK$3,856/mo
Today · 4.125%
HK$149,390
baseline
▲ 0.50% · 4.625%
HK$157,265
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,780/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,188 · Scale 2, in force from 26 Feb 2026)