LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,865
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,069
−HK$2,240/mo
Today · 4.125%
HK$75,309
baseline
▲ 0.50% · 4.625%
HK$79,891
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,618/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,836
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,951
−HK$2,145/mo
Today · 4.125%
HK$83,096
baseline
▲ 0.50% · 4.625%
HK$87,476
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,192/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,038
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,683
−HK$2,687/mo
Today · 4.125%
HK$90,370
baseline
▲ 0.50% · 4.625%
HK$95,869
+HK$5,499/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,740/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,604
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,141
−HK$2,574/mo
Today · 4.125%
HK$99,715
baseline
▲ 0.50% · 4.625%
HK$104,971
+HK$5,256/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,430/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,211
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,297
−HK$3,135/mo
Today · 4.125%
HK$105,432
baseline
▲ 0.50% · 4.625%
HK$111,847
+HK$6,415/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,864/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,371
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,331
−HK$3,003/mo
Today · 4.125%
HK$116,334
baseline
▲ 0.50% · 4.625%
HK$122,466
+HK$6,132/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,668/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,556
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,524
−HK$4,031/mo
Today · 4.125%
HK$135,555
baseline
▲ 0.50% · 4.625%
HK$143,804
+HK$8,249/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,110/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,905
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$145,711
−HK$3,861/mo
Today · 4.125%
HK$149,572
baseline
▲ 0.50% · 4.625%
HK$157,456
+HK$7,884/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,144/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,795 · Scale 2, in force from 26 Feb 2026)