LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,947
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,154
−HK$2,242/mo
Today · 4.125%
HK$75,396
baseline
▲ 0.50% · 4.625%
HK$79,984
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,792/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,928
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,045
−HK$2,147/mo
Today · 4.125%
HK$83,192
baseline
▲ 0.50% · 4.625%
HK$87,577
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,384/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,137
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,785
−HK$2,690/mo
Today · 4.125%
HK$90,475
baseline
▲ 0.50% · 4.625%
HK$95,981
+HK$5,506/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,950/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,714
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,254
−HK$2,577/mo
Today · 4.125%
HK$99,831
baseline
▲ 0.50% · 4.625%
HK$105,093
+HK$5,262/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,662/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,326
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,416
−HK$3,139/mo
Today · 4.125%
HK$105,555
baseline
▲ 0.50% · 4.625%
HK$111,977
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,110/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,499
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,463
−HK$3,006/mo
Today · 4.125%
HK$116,469
baseline
▲ 0.50% · 4.625%
HK$122,608
+HK$6,139/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,938/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,705
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,677
−HK$4,036/mo
Today · 4.125%
HK$135,713
baseline
▲ 0.50% · 4.625%
HK$143,971
+HK$8,258/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,426/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,070
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,881
−HK$3,865/mo
Today · 4.125%
HK$149,746
baseline
▲ 0.50% · 4.625%
HK$157,639
+HK$7,893/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,492/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,332 · Scale 2, in force from 26 Feb 2026)