LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,021
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,199
−HK$2,213/mo
Today · 4.125%
HK$74,412
baseline
▲ 0.50% · 4.625%
HK$78,939
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,824/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,897
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,986
−HK$2,120/mo
Today · 4.125%
HK$82,106
baseline
▲ 0.50% · 4.625%
HK$86,434
+HK$4,328/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,212/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,025
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,638
−HK$2,656/mo
Today · 4.125%
HK$89,294
baseline
▲ 0.50% · 4.625%
HK$94,727
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,588/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,477
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,984
−HK$2,543/mo
Today · 4.125%
HK$98,527
baseline
▲ 0.50% · 4.625%
HK$103,720
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,054/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,029
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,078
−HK$3,098/mo
Today · 4.125%
HK$104,176
baseline
▲ 0.50% · 4.625%
HK$110,515
+HK$6,339/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,352/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,056
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,981
−HK$2,967/mo
Today · 4.125%
HK$114,948
baseline
▲ 0.50% · 4.625%
HK$121,007
+HK$6,059/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,896/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,037
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$129,958
−HK$3,983/mo
Today · 4.125%
HK$133,941
baseline
▲ 0.50% · 4.625%
HK$142,091
+HK$8,150/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,882/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,215
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,975
−HK$3,815/mo
Today · 4.125%
HK$147,790
baseline
▲ 0.50% · 4.625%
HK$155,581
+HK$7,791/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,580/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,062 · Scale 2, in force from 26 Feb 2026)