LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,865
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,070
−HK$2,239/mo
Today · 4.125%
HK$75,309
baseline
▲ 0.50% · 4.625%
HK$79,892
+HK$4,583/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$1,320,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,837
−HK$4,259/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$1,320,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,038
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,684
−HK$2,687/mo
Today · 4.125%
HK$90,371
baseline
▲ 0.50% · 4.625%
HK$95,870
+HK$5,499/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,742/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,604
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,142
−HK$2,574/mo
Today · 4.125%
HK$99,716
baseline
▲ 0.50% · 4.625%
HK$104,972
+HK$5,256/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,432/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,212
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,298
−HK$3,135/mo
Today · 4.125%
HK$105,433
baseline
▲ 0.50% · 4.625%
HK$111,848
+HK$6,415/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,866/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,372
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,332
−HK$3,003/mo
Today · 4.125%
HK$116,335
baseline
▲ 0.50% · 4.625%
HK$122,467
+HK$6,132/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,670/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,558
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,525
−HK$4,032/mo
Today · 4.125%
HK$135,557
baseline
▲ 0.50% · 4.625%
HK$143,805
+HK$8,248/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,114/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,907
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$145,713
−HK$3,860/mo
Today · 4.125%
HK$149,573
baseline
▲ 0.50% · 4.625%
HK$157,458
+HK$7,885/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,146/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,808 · Scale 2, in force from 26 Feb 2026)