LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,779
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,981
−HK$2,236/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$1,319,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,741
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,853
−HK$2,142/mo
Today · 4.125%
HK$82,995
baseline
▲ 0.50% · 4.625%
HK$87,370
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,990/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,935
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,577
−HK$2,684/mo
Today · 4.125%
HK$90,261
baseline
▲ 0.50% · 4.625%
HK$95,753
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,522/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,489
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,023
−HK$2,571/mo
Today · 4.125%
HK$99,594
baseline
▲ 0.50% · 4.625%
HK$104,844
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,188/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,091
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,173
−HK$3,131/mo
Today · 4.125%
HK$105,304
baseline
▲ 0.50% · 4.625%
HK$111,712
+HK$6,408/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$1,319,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,237
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,194
−HK$2,999/mo
Today · 4.125%
HK$116,193
baseline
▲ 0.50% · 4.625%
HK$122,318
+HK$6,125/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,386/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,402
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,365
−HK$4,026/mo
Today · 4.125%
HK$135,391
baseline
▲ 0.50% · 4.625%
HK$143,630
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,782/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,734
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,535
−HK$3,856/mo
Today · 4.125%
HK$149,391
baseline
▲ 0.50% · 4.625%
HK$157,266
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,782/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,196 · Scale 2, in force from 26 Feb 2026)