LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,786
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,988
−HK$2,237/mo
Today · 4.125%
HK$75,225
baseline
▲ 0.50% · 4.625%
HK$79,803
+HK$4,578/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,450/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,749
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,861
−HK$2,143/mo
Today · 4.125%
HK$83,004
baseline
▲ 0.50% · 4.625%
HK$87,379
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,008/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,944
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,586
−HK$2,684/mo
Today · 4.125%
HK$90,270
baseline
▲ 0.50% · 4.625%
HK$95,763
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,540/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,499
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,033
−HK$2,571/mo
Today · 4.125%
HK$99,604
baseline
▲ 0.50% · 4.625%
HK$104,855
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,208/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,101
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,184
−HK$3,131/mo
Today · 4.125%
HK$105,315
baseline
▲ 0.50% · 4.625%
HK$111,724
+HK$6,409/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,630/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,249
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,206
−HK$2,999/mo
Today · 4.125%
HK$116,205
baseline
▲ 0.50% · 4.625%
HK$122,331
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,410/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,415
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,379
−HK$4,027/mo
Today · 4.125%
HK$135,406
baseline
▲ 0.50% · 4.625%
HK$143,645
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,812/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,748
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,550
−HK$3,857/mo
Today · 4.125%
HK$149,407
baseline
▲ 0.50% · 4.625%
HK$157,282
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,814/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,335 · Scale 2, in force from 26 Feb 2026)