LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,931
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,137
−HK$2,242/mo
Today · 4.125%
HK$75,379
baseline
▲ 0.50% · 4.625%
HK$79,966
+HK$4,587/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,758/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,910
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,026
−HK$2,147/mo
Today · 4.125%
HK$83,173
baseline
▲ 0.50% · 4.625%
HK$87,557
+HK$4,384/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,346/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,117
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,765
−HK$2,690/mo
Today · 4.125%
HK$90,455
baseline
▲ 0.50% · 4.625%
HK$95,959
+HK$5,504/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,910/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,692
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,231
−HK$2,577/mo
Today · 4.125%
HK$99,808
baseline
▲ 0.50% · 4.625%
HK$105,069
+HK$5,261/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,616/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,303
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,392
−HK$3,138/mo
Today · 4.125%
HK$105,530
baseline
▲ 0.50% · 4.625%
HK$111,952
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$211,060/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,474
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,437
−HK$3,005/mo
Today · 4.125%
HK$116,442
baseline
▲ 0.50% · 4.625%
HK$122,580
+HK$6,138/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,884/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,676
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,647
−HK$4,035/mo
Today · 4.125%
HK$135,682
baseline
▲ 0.50% · 4.625%
HK$143,938
+HK$8,256/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,364/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,038
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$145,847
−HK$3,865/mo
Today · 4.125%
HK$149,712
baseline
▲ 0.50% · 4.625%
HK$157,603
+HK$7,891/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,424/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,028 · Scale 2, in force from 26 Feb 2026)