LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,863
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,068
−HK$2,239/mo
Today · 4.125%
HK$75,307
baseline
▲ 0.50% · 4.625%
HK$79,889
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,614/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,835
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,949
−HK$2,145/mo
Today · 4.125%
HK$83,094
baseline
▲ 0.50% · 4.625%
HK$87,474
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,188/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,036
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,681
−HK$2,687/mo
Today · 4.125%
HK$90,368
baseline
▲ 0.50% · 4.625%
HK$95,867
+HK$5,499/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,736/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,602
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,139
−HK$2,574/mo
Today · 4.125%
HK$99,713
baseline
▲ 0.50% · 4.625%
HK$104,969
+HK$5,256/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,426/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,209
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,295
−HK$3,135/mo
Today · 4.125%
HK$105,430
baseline
▲ 0.50% · 4.625%
HK$111,845
+HK$6,415/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,860/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,369
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,329
−HK$3,002/mo
Today · 4.125%
HK$116,331
baseline
▲ 0.50% · 4.625%
HK$122,463
+HK$6,132/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,662/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,554
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,522
−HK$4,031/mo
Today · 4.125%
HK$135,553
baseline
▲ 0.50% · 4.625%
HK$143,801
+HK$8,248/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,106/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,902
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$145,708
−HK$3,861/mo
Today · 4.125%
HK$149,569
baseline
▲ 0.50% · 4.625%
HK$157,453
+HK$7,884/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,138/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,768 · Scale 2, in force from 26 Feb 2026)