LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,804
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,007
−HK$2,237/mo
Today · 4.125%
HK$75,244
baseline
▲ 0.50% · 4.625%
HK$79,823
+HK$4,579/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,488/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,769
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,882
−HK$2,143/mo
Today · 4.125%
HK$83,025
baseline
▲ 0.50% · 4.625%
HK$87,401
+HK$4,376/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,050/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,965
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,608
−HK$2,685/mo
Today · 4.125%
HK$90,293
baseline
▲ 0.50% · 4.625%
HK$95,788
+HK$5,495/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,586/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,523
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,058
−HK$2,572/mo
Today · 4.125%
HK$99,630
baseline
▲ 0.50% · 4.625%
HK$104,881
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,260/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,126
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,210
−HK$3,132/mo
Today · 4.125%
HK$105,342
baseline
▲ 0.50% · 4.625%
HK$111,752
+HK$6,410/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$210,684/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,277
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,234
−HK$3,001/mo
Today · 4.125%
HK$116,235
baseline
▲ 0.50% · 4.625%
HK$122,362
+HK$6,127/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$232,470/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,448
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$131,412
−HK$4,028/mo
Today · 4.125%
HK$135,440
baseline
▲ 0.50% · 4.625%
HK$143,681
+HK$8,241/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$270,880/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,785
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,587
−HK$3,858/mo
Today · 4.125%
HK$149,445
baseline
▲ 0.50% · 4.625%
HK$157,322
+HK$7,877/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$298,890/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,671 · Scale 2, in force from 26 Feb 2026)