LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,983
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,160
−HK$2,212/mo
Today · 4.125%
HK$74,372
baseline
▲ 0.50% · 4.625%
HK$78,897
+HK$4,525/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,744/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,856
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,944
−HK$2,118/mo
Today · 4.125%
HK$82,062
baseline
▲ 0.50% · 4.625%
HK$86,388
+HK$4,326/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,124/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,980
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,592
−HK$2,654/mo
Today · 4.125%
HK$89,246
baseline
▲ 0.50% · 4.625%
HK$94,677
+HK$5,431/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$178,492/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,427
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,932
−HK$2,542/mo
Today · 4.125%
HK$98,474
baseline
▲ 0.50% · 4.625%
HK$103,665
+HK$5,191/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$196,948/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,977
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,024
−HK$3,097/mo
Today · 4.125%
HK$104,121
baseline
▲ 0.50% · 4.625%
HK$110,456
+HK$6,335/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,242/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,998
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,921
−HK$2,966/mo
Today · 4.125%
HK$114,887
baseline
▲ 0.50% · 4.625%
HK$120,943
+HK$6,056/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,774/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,970
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,888
−HK$3,981/mo
Today · 4.125%
HK$133,869
baseline
▲ 0.50% · 4.625%
HK$142,015
+HK$8,146/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,738/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,140
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,899
−HK$3,813/mo
Today · 4.125%
HK$147,712
baseline
▲ 0.50% · 4.625%
HK$155,498
+HK$7,786/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,424/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,366 · Scale 2, in force from 26 Feb 2026)