LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,790
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,992
−HK$2,237/mo
Today · 4.125%
HK$75,229
baseline
▲ 0.50% · 4.625%
HK$79,807
+HK$4,578/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,458/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,753
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,865
−HK$2,143/mo
Today · 4.125%
HK$83,008
baseline
▲ 0.50% · 4.625%
HK$87,383
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,016/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,948
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,590
−HK$2,685/mo
Today · 4.125%
HK$90,275
baseline
▲ 0.50% · 4.625%
HK$95,768
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,550/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,504
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,038
−HK$2,571/mo
Today · 4.125%
HK$99,609
baseline
▲ 0.50% · 4.625%
HK$104,860
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,218/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,106
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,189
−HK$3,132/mo
Today · 4.125%
HK$105,321
baseline
▲ 0.50% · 4.625%
HK$111,729
+HK$6,408/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,642/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,254
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,211
−HK$3,000/mo
Today · 4.125%
HK$116,211
baseline
▲ 0.50% · 4.625%
HK$122,337
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,422/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,422
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,385
−HK$4,027/mo
Today · 4.125%
HK$135,412
baseline
▲ 0.50% · 4.625%
HK$143,652
+HK$8,240/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,824/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,755
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,557
−HK$3,857/mo
Today · 4.125%
HK$149,414
baseline
▲ 0.50% · 4.625%
HK$157,290
+HK$7,876/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,828/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,400 · Scale 2, in force from 26 Feb 2026)