LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,867
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,071
−HK$2,240/mo
Today · 4.125%
HK$75,311
baseline
▲ 0.50% · 4.625%
HK$79,893
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,622/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,839
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,953
−HK$2,145/mo
Today · 4.125%
HK$83,098
baseline
▲ 0.50% · 4.625%
HK$87,478
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,196/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,040
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,686
−HK$2,687/mo
Today · 4.125%
HK$90,373
baseline
▲ 0.50% · 4.625%
HK$95,872
+HK$5,499/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,746/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,607
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,144
−HK$2,574/mo
Today · 4.125%
HK$99,718
baseline
▲ 0.50% · 4.625%
HK$104,974
+HK$5,256/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,436/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,214
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,300
−HK$3,135/mo
Today · 4.125%
HK$105,435
baseline
▲ 0.50% · 4.625%
HK$111,851
+HK$6,416/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,870/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,374
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,335
−HK$3,003/mo
Today · 4.125%
HK$116,338
baseline
▲ 0.50% · 4.625%
HK$122,470
+HK$6,132/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,676/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,561
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,528
−HK$4,032/mo
Today · 4.125%
HK$135,560
baseline
▲ 0.50% · 4.625%
HK$143,808
+HK$8,248/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,120/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,910
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$145,716
−HK$3,861/mo
Today · 4.125%
HK$149,577
baseline
▲ 0.50% · 4.625%
HK$157,461
+HK$7,884/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,154/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,838 · Scale 2, in force from 26 Feb 2026)