LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,948
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,155
−HK$2,242/mo
Today · 4.125%
HK$75,397
baseline
▲ 0.50% · 4.625%
HK$79,985
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,794/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,929
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,046
−HK$2,147/mo
Today · 4.125%
HK$83,193
baseline
▲ 0.50% · 4.625%
HK$87,578
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,386/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,138
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,786
−HK$2,690/mo
Today · 4.125%
HK$90,476
baseline
▲ 0.50% · 4.625%
HK$95,982
+HK$5,506/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,952/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,715
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,255
−HK$2,577/mo
Today · 4.125%
HK$99,832
baseline
▲ 0.50% · 4.625%
HK$105,094
+HK$5,262/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,664/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,327
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,417
−HK$3,139/mo
Today · 4.125%
HK$105,556
baseline
▲ 0.50% · 4.625%
HK$111,979
+HK$6,423/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,112/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,500
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,464
−HK$3,006/mo
Today · 4.125%
HK$116,470
baseline
▲ 0.50% · 4.625%
HK$122,610
+HK$6,140/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,940/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,706
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,679
−HK$4,036/mo
Today · 4.125%
HK$135,715
baseline
▲ 0.50% · 4.625%
HK$143,973
+HK$8,258/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,430/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,072
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,882
−HK$3,866/mo
Today · 4.125%
HK$149,748
baseline
▲ 0.50% · 4.625%
HK$157,641
+HK$7,893/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,496/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,347 · Scale 2, in force from 26 Feb 2026)