LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,954
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,162
−HK$2,242/mo
Today · 4.125%
HK$75,404
baseline
▲ 0.50% · 4.625%
HK$79,992
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,808/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,936
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,053
−HK$2,148/mo
Today · 4.125%
HK$83,201
baseline
▲ 0.50% · 4.625%
HK$87,586
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,402/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,145
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,794
−HK$2,691/mo
Today · 4.125%
HK$90,485
baseline
▲ 0.50% · 4.625%
HK$95,990
+HK$5,505/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,970/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,723
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,264
−HK$2,577/mo
Today · 4.125%
HK$99,841
baseline
▲ 0.50% · 4.625%
HK$105,104
+HK$5,263/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,682/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,336
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,426
−HK$3,139/mo
Today · 4.125%
HK$105,565
baseline
▲ 0.50% · 4.625%
HK$111,989
+HK$6,424/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$211,130/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,511
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,474
−HK$3,007/mo
Today · 4.125%
HK$116,481
baseline
▲ 0.50% · 4.625%
HK$122,621
+HK$6,140/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$232,962/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,718
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,691
−HK$4,036/mo
Today · 4.125%
HK$135,727
baseline
▲ 0.50% · 4.625%
HK$143,986
+HK$8,259/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,454/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,085
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,896
−HK$3,865/mo
Today · 4.125%
HK$149,761
baseline
▲ 0.50% · 4.625%
HK$157,655
+HK$7,894/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,522/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,467 · Scale 2, in force from 26 Feb 2026)