LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,946
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,153
−HK$2,242/mo
Today · 4.125%
HK$75,395
baseline
▲ 0.50% · 4.625%
HK$79,982
+HK$4,587/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,790/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,926
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,043
−HK$2,148/mo
Today · 4.125%
HK$83,191
baseline
▲ 0.50% · 4.625%
HK$87,576
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,382/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,135
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,783
−HK$2,691/mo
Today · 4.125%
HK$90,474
baseline
▲ 0.50% · 4.625%
HK$95,979
+HK$5,505/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,948/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,712
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,252
−HK$2,577/mo
Today · 4.125%
HK$99,829
baseline
▲ 0.50% · 4.625%
HK$105,091
+HK$5,262/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,658/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,324
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,414
−HK$3,139/mo
Today · 4.125%
HK$105,553
baseline
▲ 0.50% · 4.625%
HK$111,975
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,106/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,497
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,460
−HK$3,007/mo
Today · 4.125%
HK$116,467
baseline
▲ 0.50% · 4.625%
HK$122,606
+HK$6,139/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,934/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,702
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,675
−HK$4,035/mo
Today · 4.125%
HK$135,710
baseline
▲ 0.50% · 4.625%
HK$143,968
+HK$8,258/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,420/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,068
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,878
−HK$3,865/mo
Today · 4.125%
HK$149,743
baseline
▲ 0.50% · 4.625%
HK$157,636
+HK$7,893/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,486/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,305 · Scale 2, in force from 26 Feb 2026)