LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,003
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,180
−HK$2,212/mo
Today · 4.125%
HK$74,392
baseline
▲ 0.50% · 4.625%
HK$78,919
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,784/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,877
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,966
−HK$2,119/mo
Today · 4.125%
HK$82,085
baseline
▲ 0.50% · 4.625%
HK$86,412
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,170/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,003
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,616
−HK$2,655/mo
Today · 4.125%
HK$89,271
baseline
▲ 0.50% · 4.625%
HK$94,703
+HK$5,432/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,542/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,453
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,959
−HK$2,543/mo
Today · 4.125%
HK$98,502
baseline
▲ 0.50% · 4.625%
HK$103,694
+HK$5,192/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,004/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,004
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,052
−HK$3,097/mo
Today · 4.125%
HK$104,149
baseline
▲ 0.50% · 4.625%
HK$110,487
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,298/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,028
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,952
−HK$2,967/mo
Today · 4.125%
HK$114,919
baseline
▲ 0.50% · 4.625%
HK$120,976
+HK$6,057/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,838/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,005
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,924
−HK$3,982/mo
Today · 4.125%
HK$133,906
baseline
▲ 0.50% · 4.625%
HK$142,054
+HK$8,148/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,812/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,179
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,939
−HK$3,813/mo
Today · 4.125%
HK$147,752
baseline
▲ 0.50% · 4.625%
HK$155,541
+HK$7,789/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,504/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,728 · Scale 2, in force from 26 Feb 2026)