LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,945
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,152
−HK$2,242/mo
Today · 4.125%
HK$75,394
baseline
▲ 0.50% · 4.625%
HK$79,981
+HK$4,587/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,788/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,925
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,042
−HK$2,148/mo
Today · 4.125%
HK$83,190
baseline
▲ 0.50% · 4.625%
HK$87,575
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,380/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,134
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,782
−HK$2,691/mo
Today · 4.125%
HK$90,473
baseline
▲ 0.50% · 4.625%
HK$95,978
+HK$5,505/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,946/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,711
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,251
−HK$2,577/mo
Today · 4.125%
HK$99,828
baseline
▲ 0.50% · 4.625%
HK$105,090
+HK$5,262/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,656/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,323
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,412
−HK$3,139/mo
Today · 4.125%
HK$105,551
baseline
▲ 0.50% · 4.625%
HK$111,974
+HK$6,423/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,102/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,496
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,459
−HK$3,006/mo
Today · 4.125%
HK$116,465
baseline
▲ 0.50% · 4.625%
HK$122,604
+HK$6,139/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,930/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,701
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,673
−HK$4,036/mo
Today · 4.125%
HK$135,709
baseline
▲ 0.50% · 4.625%
HK$143,966
+HK$8,257/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,418/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,066
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,876
−HK$3,865/mo
Today · 4.125%
HK$149,741
baseline
▲ 0.50% · 4.625%
HK$157,634
+HK$7,893/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,482/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,290 · Scale 2, in force from 26 Feb 2026)