LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,844
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,048
−HK$2,238/mo
Today · 4.125%
HK$75,286
baseline
▲ 0.50% · 4.625%
HK$79,867
+HK$4,581/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,572/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,813
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,927
−HK$2,144/mo
Today · 4.125%
HK$83,071
baseline
▲ 0.50% · 4.625%
HK$87,450
+HK$4,379/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,142/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,013
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,657
−HK$2,687/mo
Today · 4.125%
HK$90,344
baseline
▲ 0.50% · 4.625%
HK$95,841
+HK$5,497/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,688/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,576
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,112
−HK$2,573/mo
Today · 4.125%
HK$99,685
baseline
▲ 0.50% · 4.625%
HK$104,940
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,370/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,182
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,267
−HK$3,134/mo
Today · 4.125%
HK$105,401
baseline
▲ 0.50% · 4.625%
HK$111,814
+HK$6,413/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,802/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,338
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,298
−HK$3,002/mo
Today · 4.125%
HK$116,300
baseline
▲ 0.50% · 4.625%
HK$122,430
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,600/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,519
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,486
−HK$4,030/mo
Today · 4.125%
HK$135,516
baseline
▲ 0.50% · 4.625%
HK$143,761
+HK$8,245/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,032/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,864
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,668
−HK$3,860/mo
Today · 4.125%
HK$149,528
baseline
▲ 0.50% · 4.625%
HK$157,410
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,056/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,408 · Scale 2, in force from 26 Feb 2026)