LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,796
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,998
−HK$2,237/mo
Today · 4.125%
HK$75,235
baseline
▲ 0.50% · 4.625%
HK$79,813
+HK$4,578/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,470/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,759
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,872
−HK$2,142/mo
Today · 4.125%
HK$83,014
baseline
▲ 0.50% · 4.625%
HK$87,390
+HK$4,376/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,028/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,955
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,597
−HK$2,685/mo
Today · 4.125%
HK$90,282
baseline
▲ 0.50% · 4.625%
HK$95,775
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,564/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,511
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,046
−HK$2,571/mo
Today · 4.125%
HK$99,617
baseline
▲ 0.50% · 4.625%
HK$104,868
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,234/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,114
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,197
−HK$3,132/mo
Today · 4.125%
HK$105,329
baseline
▲ 0.50% · 4.625%
HK$111,738
+HK$6,409/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,658/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,263
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,220
−HK$3,000/mo
Today · 4.125%
HK$116,220
baseline
▲ 0.50% · 4.625%
HK$122,346
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,440/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,432
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,396
−HK$4,027/mo
Today · 4.125%
HK$135,423
baseline
▲ 0.50% · 4.625%
HK$143,663
+HK$8,240/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,846/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,767
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,569
−HK$3,857/mo
Today · 4.125%
HK$149,426
baseline
▲ 0.50% · 4.625%
HK$157,302
+HK$7,876/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,852/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,505 · Scale 2, in force from 26 Feb 2026)