LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,887
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,092
−HK$2,240/mo
Today · 4.125%
HK$75,332
baseline
▲ 0.50% · 4.625%
HK$79,916
+HK$4,584/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,664/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,861
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,976
−HK$2,146/mo
Today · 4.125%
HK$83,122
baseline
▲ 0.50% · 4.625%
HK$87,503
+HK$4,381/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,244/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,064
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,710
−HK$2,689/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,899
+HK$5,500/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,633
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,171
−HK$2,575/mo
Today · 4.125%
HK$99,746
baseline
▲ 0.50% · 4.625%
HK$105,004
+HK$5,258/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,492/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,242
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,329
−HK$3,136/mo
Today · 4.125%
HK$105,465
baseline
▲ 0.50% · 4.625%
HK$111,882
+HK$6,417/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,930/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,405
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,367
−HK$3,003/mo
Today · 4.125%
HK$116,370
baseline
▲ 0.50% · 4.625%
HK$122,504
+HK$6,134/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,740/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,597
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,566
−HK$4,032/mo
Today · 4.125%
HK$135,598
baseline
▲ 0.50% · 4.625%
HK$143,849
+HK$8,251/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,196/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,950
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,757
−HK$3,862/mo
Today · 4.125%
HK$149,619
baseline
▲ 0.50% · 4.625%
HK$157,506
+HK$7,887/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,238/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,210 · Scale 2, in force from 26 Feb 2026)