LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,838
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,041
−HK$2,239/mo
Today · 4.125%
HK$75,280
baseline
▲ 0.50% · 4.625%
HK$79,860
+HK$4,580/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,560/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,806
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,920
−HK$2,144/mo
Today · 4.125%
HK$83,064
baseline
▲ 0.50% · 4.625%
HK$87,442
+HK$4,378/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,128/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,005
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,649
−HK$2,687/mo
Today · 4.125%
HK$90,336
baseline
▲ 0.50% · 4.625%
HK$95,832
+HK$5,496/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,672/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,567
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,104
−HK$2,573/mo
Today · 4.125%
HK$99,677
baseline
▲ 0.50% · 4.625%
HK$104,931
+HK$5,254/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,354/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,173
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,258
−HK$3,134/mo
Today · 4.125%
HK$105,392
baseline
▲ 0.50% · 4.625%
HK$111,805
+HK$6,413/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,784/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,329
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,288
−HK$3,001/mo
Today · 4.125%
HK$116,289
baseline
▲ 0.50% · 4.625%
HK$122,419
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,578/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,508
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$131,474
−HK$4,030/mo
Today · 4.125%
HK$135,504
baseline
▲ 0.50% · 4.625%
HK$143,749
+HK$8,245/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,008/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,851
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,656
−HK$3,859/mo
Today · 4.125%
HK$149,515
baseline
▲ 0.50% · 4.625%
HK$157,396
+HK$7,881/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,030/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,291 · Scale 2, in force from 26 Feb 2026)