LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,935
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,141
−HK$2,242/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,970
+HK$4,587/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,914
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,031
−HK$2,147/mo
Today · 4.125%
HK$83,178
baseline
▲ 0.50% · 4.625%
HK$87,562
+HK$4,384/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,356/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,122
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,770
−HK$2,690/mo
Today · 4.125%
HK$90,460
baseline
▲ 0.50% · 4.625%
HK$95,964
+HK$5,504/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,920/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,697
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,237
−HK$2,576/mo
Today · 4.125%
HK$99,813
baseline
▲ 0.50% · 4.625%
HK$105,075
+HK$5,262/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,626/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,309
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,398
−HK$3,138/mo
Today · 4.125%
HK$105,536
baseline
▲ 0.50% · 4.625%
HK$111,958
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,072/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,480
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,443
−HK$3,006/mo
Today · 4.125%
HK$116,449
baseline
▲ 0.50% · 4.625%
HK$122,587
+HK$6,138/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,898/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,683
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,654
−HK$4,035/mo
Today · 4.125%
HK$135,689
baseline
▲ 0.50% · 4.625%
HK$143,946
+HK$8,257/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,378/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,046
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$145,855
−HK$3,865/mo
Today · 4.125%
HK$149,720
baseline
▲ 0.50% · 4.625%
HK$157,612
+HK$7,892/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,440/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,101 · Scale 2, in force from 26 Feb 2026)