LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,008
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,186
−HK$2,213/mo
Today · 4.125%
HK$74,399
baseline
▲ 0.50% · 4.625%
HK$78,926
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,798/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,884
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,973
−HK$2,119/mo
Today · 4.125%
HK$82,092
baseline
▲ 0.50% · 4.625%
HK$86,419
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,184/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,010
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,623
−HK$2,655/mo
Today · 4.125%
HK$89,278
baseline
▲ 0.50% · 4.625%
HK$94,711
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,556/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,460
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,967
−HK$2,543/mo
Today · 4.125%
HK$98,510
baseline
▲ 0.50% · 4.625%
HK$103,702
+HK$5,192/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,020/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,012
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,061
−HK$3,097/mo
Today · 4.125%
HK$104,158
baseline
▲ 0.50% · 4.625%
HK$110,496
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,316/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,037
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,962
−HK$2,966/mo
Today · 4.125%
HK$114,928
baseline
▲ 0.50% · 4.625%
HK$120,986
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,856/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,015
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,935
−HK$3,983/mo
Today · 4.125%
HK$133,918
baseline
▲ 0.50% · 4.625%
HK$142,066
+HK$8,148/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,836/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,191
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,951
−HK$3,814/mo
Today · 4.125%
HK$147,765
baseline
▲ 0.50% · 4.625%
HK$155,554
+HK$7,789/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,530/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,836 · Scale 2, in force from 26 Feb 2026)