LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,850
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,054
−HK$2,239/mo
Today · 4.125%
HK$75,293
baseline
▲ 0.50% · 4.625%
HK$79,874
+HK$4,581/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,586/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,820
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,934
−HK$2,144/mo
Today · 4.125%
HK$83,078
baseline
▲ 0.50% · 4.625%
HK$87,458
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,156/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,020
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,665
−HK$2,687/mo
Today · 4.125%
HK$90,352
baseline
▲ 0.50% · 4.625%
HK$95,849
+HK$5,497/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,704/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,584
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,121
−HK$2,573/mo
Today · 4.125%
HK$99,694
baseline
▲ 0.50% · 4.625%
HK$104,949
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,388/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,190
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,276
−HK$3,134/mo
Today · 4.125%
HK$105,410
baseline
▲ 0.50% · 4.625%
HK$111,824
+HK$6,414/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,820/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,348
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,308
−HK$3,002/mo
Today · 4.125%
HK$116,310
baseline
▲ 0.50% · 4.625%
HK$122,441
+HK$6,131/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,620/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,530
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,497
−HK$4,030/mo
Today · 4.125%
HK$135,527
baseline
▲ 0.50% · 4.625%
HK$143,774
+HK$8,247/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,054/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,876
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$145,681
−HK$3,860/mo
Today · 4.125%
HK$149,541
baseline
▲ 0.50% · 4.625%
HK$157,424
+HK$7,883/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,082/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,523 · Scale 2, in force from 26 Feb 2026)