LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,781
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,982
−HK$2,237/mo
Today · 4.125%
HK$75,219
baseline
▲ 0.50% · 4.625%
HK$79,796
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,438/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,743
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,855
−HK$2,142/mo
Today · 4.125%
HK$82,997
baseline
▲ 0.50% · 4.625%
HK$87,372
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,994/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,937
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,579
−HK$2,684/mo
Today · 4.125%
HK$90,263
baseline
▲ 0.50% · 4.625%
HK$95,755
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,526/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,491
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,026
−HK$2,570/mo
Today · 4.125%
HK$99,596
baseline
▲ 0.50% · 4.625%
HK$104,846
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,192/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,093
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,175
−HK$3,132/mo
Today · 4.125%
HK$105,307
baseline
▲ 0.50% · 4.625%
HK$111,715
+HK$6,408/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,614/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,240
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,197
−HK$2,999/mo
Today · 4.125%
HK$116,196
baseline
▲ 0.50% · 4.625%
HK$122,321
+HK$6,125/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,392/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,405
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,368
−HK$4,027/mo
Today · 4.125%
HK$135,395
baseline
▲ 0.50% · 4.625%
HK$143,633
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,790/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,737
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,538
−HK$3,857/mo
Today · 4.125%
HK$149,395
baseline
▲ 0.50% · 4.625%
HK$157,270
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,790/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,229 · Scale 2, in force from 26 Feb 2026)