LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,846
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,050
−HK$2,239/mo
Today · 4.125%
HK$75,289
baseline
▲ 0.50% · 4.625%
HK$79,870
+HK$4,581/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,578/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,816
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,930
−HK$2,144/mo
Today · 4.125%
HK$83,074
baseline
▲ 0.50% · 4.625%
HK$87,453
+HK$4,379/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,148/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,016
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,660
−HK$2,687/mo
Today · 4.125%
HK$90,347
baseline
▲ 0.50% · 4.625%
HK$95,844
+HK$5,497/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,694/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,579
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,116
−HK$2,573/mo
Today · 4.125%
HK$99,689
baseline
▲ 0.50% · 4.625%
HK$104,944
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,378/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,185
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,270
−HK$3,135/mo
Today · 4.125%
HK$105,405
baseline
▲ 0.50% · 4.625%
HK$111,818
+HK$6,413/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,810/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,342
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,302
−HK$3,002/mo
Today · 4.125%
HK$116,304
baseline
▲ 0.50% · 4.625%
HK$122,434
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,608/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,523
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,490
−HK$4,030/mo
Today · 4.125%
HK$135,520
baseline
▲ 0.50% · 4.625%
HK$143,766
+HK$8,246/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,040/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,869
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,673
−HK$3,860/mo
Today · 4.125%
HK$149,533
baseline
▲ 0.50% · 4.625%
HK$157,415
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,066/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,453 · Scale 2, in force from 26 Feb 2026)