LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,005
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,182
−HK$2,213/mo
Today · 4.125%
HK$74,395
baseline
▲ 0.50% · 4.625%
HK$78,921
+HK$4,526/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,790/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,880
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,968
−HK$2,119/mo
Today · 4.125%
HK$82,087
baseline
▲ 0.50% · 4.625%
HK$86,414
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,174/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,006
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,619
−HK$2,655/mo
Today · 4.125%
HK$89,274
baseline
▲ 0.50% · 4.625%
HK$94,706
+HK$5,432/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,548/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,455
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,962
−HK$2,543/mo
Today · 4.125%
HK$98,505
baseline
▲ 0.50% · 4.625%
HK$103,697
+HK$5,192/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,010/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,007
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,055
−HK$3,097/mo
Today · 4.125%
HK$104,152
baseline
▲ 0.50% · 4.625%
HK$110,490
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,304/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,031
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,956
−HK$2,966/mo
Today · 4.125%
HK$114,922
baseline
▲ 0.50% · 4.625%
HK$120,980
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,844/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,009
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,928
−HK$3,982/mo
Today · 4.125%
HK$133,910
baseline
▲ 0.50% · 4.625%
HK$142,058
+HK$8,148/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,820/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,183
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,943
−HK$3,814/mo
Today · 4.125%
HK$147,757
baseline
▲ 0.50% · 4.625%
HK$155,545
+HK$7,788/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,514/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,766 · Scale 2, in force from 26 Feb 2026)