LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,953
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,160
−HK$2,242/mo
Today · 4.125%
HK$75,402
baseline
▲ 0.50% · 4.625%
HK$79,990
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,804/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,934
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,051
−HK$2,148/mo
Today · 4.125%
HK$83,199
baseline
▲ 0.50% · 4.625%
HK$87,584
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,398/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,143
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,791
−HK$2,691/mo
Today · 4.125%
HK$90,482
baseline
▲ 0.50% · 4.625%
HK$95,988
+HK$5,506/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,964/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,721
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,261
−HK$2,577/mo
Today · 4.125%
HK$99,838
baseline
▲ 0.50% · 4.625%
HK$105,101
+HK$5,263/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,676/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,334
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,423
−HK$3,140/mo
Today · 4.125%
HK$105,563
baseline
▲ 0.50% · 4.625%
HK$111,986
+HK$6,423/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,126/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,508
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,471
−HK$3,007/mo
Today · 4.125%
HK$116,478
baseline
▲ 0.50% · 4.625%
HK$122,618
+HK$6,140/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,956/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,715
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,687
−HK$4,036/mo
Today · 4.125%
HK$135,723
baseline
▲ 0.50% · 4.625%
HK$143,982
+HK$8,259/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,446/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,081
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,892
−HK$3,865/mo
Today · 4.125%
HK$149,757
baseline
▲ 0.50% · 4.625%
HK$157,651
+HK$7,894/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,514/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,432 · Scale 2, in force from 26 Feb 2026)