LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,781
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,983
−HK$2,237/mo
Today · 4.125%
HK$75,220
baseline
▲ 0.50% · 4.625%
HK$79,797
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,440/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,744
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,856
−HK$2,142/mo
Today · 4.125%
HK$82,998
baseline
▲ 0.50% · 4.625%
HK$87,373
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,996/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,938
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,580
−HK$2,684/mo
Today · 4.125%
HK$90,264
baseline
▲ 0.50% · 4.625%
HK$95,757
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,528/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,492
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,027
−HK$2,571/mo
Today · 4.125%
HK$99,598
baseline
▲ 0.50% · 4.625%
HK$104,848
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,196/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,094
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,176
−HK$3,132/mo
Today · 4.125%
HK$105,308
baseline
▲ 0.50% · 4.625%
HK$111,716
+HK$6,408/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,616/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,241
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,198
−HK$2,999/mo
Today · 4.125%
HK$116,197
baseline
▲ 0.50% · 4.625%
HK$122,322
+HK$6,125/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,394/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,407
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,370
−HK$4,026/mo
Today · 4.125%
HK$135,396
baseline
▲ 0.50% · 4.625%
HK$143,635
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,792/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,739
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,540
−HK$3,856/mo
Today · 4.125%
HK$149,396
baseline
▲ 0.50% · 4.625%
HK$157,271
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,792/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,244 · Scale 2, in force from 26 Feb 2026)