LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,845
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,049
−HK$2,238/mo
Today · 4.125%
HK$75,287
baseline
▲ 0.50% · 4.625%
HK$79,869
+HK$4,582/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,574/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,814
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,928
−HK$2,144/mo
Today · 4.125%
HK$83,072
baseline
▲ 0.50% · 4.625%
HK$87,451
+HK$4,379/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,144/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,014
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,658
−HK$2,687/mo
Today · 4.125%
HK$90,345
baseline
▲ 0.50% · 4.625%
HK$95,842
+HK$5,497/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,690/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,577
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,114
−HK$2,573/mo
Today · 4.125%
HK$99,687
baseline
▲ 0.50% · 4.625%
HK$104,941
+HK$5,254/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,374/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,183
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,268
−HK$3,134/mo
Today · 4.125%
HK$105,402
baseline
▲ 0.50% · 4.625%
HK$111,816
+HK$6,414/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,804/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,340
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,299
−HK$3,002/mo
Today · 4.125%
HK$116,301
baseline
▲ 0.50% · 4.625%
HK$122,432
+HK$6,131/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,602/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,521
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$131,487
−HK$4,030/mo
Today · 4.125%
HK$135,517
baseline
▲ 0.50% · 4.625%
HK$143,763
+HK$8,246/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,034/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,866
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,670
−HK$3,860/mo
Today · 4.125%
HK$149,530
baseline
▲ 0.50% · 4.625%
HK$157,412
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,060/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,425 · Scale 2, in force from 26 Feb 2026)