LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,792
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,994
−HK$2,237/mo
Today · 4.125%
HK$75,231
baseline
▲ 0.50% · 4.625%
HK$79,809
+HK$4,578/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,462/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,755
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,867
−HK$2,143/mo
Today · 4.125%
HK$83,010
baseline
▲ 0.50% · 4.625%
HK$87,385
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,020/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,950
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,592
−HK$2,685/mo
Today · 4.125%
HK$90,277
baseline
▲ 0.50% · 4.625%
HK$95,770
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,554/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,506
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,041
−HK$2,571/mo
Today · 4.125%
HK$99,612
baseline
▲ 0.50% · 4.625%
HK$104,863
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,224/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,108
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,191
−HK$3,132/mo
Today · 4.125%
HK$105,323
baseline
▲ 0.50% · 4.625%
HK$111,732
+HK$6,409/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,646/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,257
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,214
−HK$3,000/mo
Today · 4.125%
HK$116,214
baseline
▲ 0.50% · 4.625%
HK$122,340
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,428/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,425
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,389
−HK$4,027/mo
Today · 4.125%
HK$135,416
baseline
▲ 0.50% · 4.625%
HK$143,655
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,832/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,759
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,561
−HK$3,857/mo
Today · 4.125%
HK$149,418
baseline
▲ 0.50% · 4.625%
HK$157,294
+HK$7,876/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,836/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,434 · Scale 2, in force from 26 Feb 2026)