LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,956
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,163
−HK$2,243/mo
Today · 4.125%
HK$75,406
baseline
▲ 0.50% · 4.625%
HK$79,994
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,812/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,938
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,055
−HK$2,148/mo
Today · 4.125%
HK$83,203
baseline
▲ 0.50% · 4.625%
HK$87,589
+HK$4,386/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,406/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,148
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,796
−HK$2,691/mo
Today · 4.125%
HK$90,487
baseline
▲ 0.50% · 4.625%
HK$95,993
+HK$5,506/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,974/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,726
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,266
−HK$2,578/mo
Today · 4.125%
HK$99,844
baseline
▲ 0.50% · 4.625%
HK$105,106
+HK$5,262/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,688/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,339
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,429
−HK$3,139/mo
Today · 4.125%
HK$105,568
baseline
▲ 0.50% · 4.625%
HK$111,992
+HK$6,424/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$211,136/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,513
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,477
−HK$3,007/mo
Today · 4.125%
HK$116,484
baseline
▲ 0.50% · 4.625%
HK$122,624
+HK$6,140/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$232,968/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,721
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$131,694
−HK$4,037/mo
Today · 4.125%
HK$135,731
baseline
▲ 0.50% · 4.625%
HK$143,989
+HK$8,258/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,462/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,089
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,899
−HK$3,866/mo
Today · 4.125%
HK$149,765
baseline
▲ 0.50% · 4.625%
HK$157,660
+HK$7,895/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,530/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,502 · Scale 2, in force from 26 Feb 2026)