LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,870
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,075
−HK$2,240/mo
Today · 4.125%
HK$75,315
baseline
▲ 0.50% · 4.625%
HK$79,897
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,630/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,843
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,957
−HK$2,145/mo
Today · 4.125%
HK$83,102
baseline
▲ 0.50% · 4.625%
HK$87,483
+HK$4,381/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,204/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,045
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,690
−HK$2,688/mo
Today · 4.125%
HK$90,378
baseline
▲ 0.50% · 4.625%
HK$95,877
+HK$5,499/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,756/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,611
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,149
−HK$2,574/mo
Today · 4.125%
HK$99,723
baseline
▲ 0.50% · 4.625%
HK$104,979
+HK$5,256/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,446/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,219
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,305
−HK$3,136/mo
Today · 4.125%
HK$105,441
baseline
▲ 0.50% · 4.625%
HK$111,856
+HK$6,415/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$210,882/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,380
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,340
−HK$3,003/mo
Today · 4.125%
HK$116,343
baseline
▲ 0.50% · 4.625%
HK$122,476
+HK$6,133/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$232,686/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,567
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,535
−HK$4,031/mo
Today · 4.125%
HK$135,566
baseline
▲ 0.50% · 4.625%
HK$143,815
+HK$8,249/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,132/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,917
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$145,723
−HK$3,861/mo
Today · 4.125%
HK$149,584
baseline
▲ 0.50% · 4.625%
HK$157,469
+HK$7,885/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,168/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,902 · Scale 2, in force from 26 Feb 2026)