LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,211
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,395
−HK$2,219/mo
Today · 4.125%
HK$74,614
baseline
▲ 0.50% · 4.625%
HK$79,154
+HK$4,540/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,228/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,109
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,204
−HK$2,125/mo
Today · 4.125%
HK$82,329
baseline
▲ 0.50% · 4.625%
HK$86,669
+HK$4,340/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,658/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,253
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,874
−HK$2,663/mo
Today · 4.125%
HK$89,537
baseline
▲ 0.50% · 4.625%
HK$94,985
+HK$5,448/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$179,074/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,731
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,245
−HK$2,550/mo
Today · 4.125%
HK$98,795
baseline
▲ 0.50% · 4.625%
HK$104,003
+HK$5,208/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$197,590/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,295
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,353
−HK$3,106/mo
Today · 4.125%
HK$104,459
baseline
▲ 0.50% · 4.625%
HK$110,816
+HK$6,357/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,918/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,353
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,286
−HK$2,975/mo
Today · 4.125%
HK$115,261
baseline
▲ 0.50% · 4.625%
HK$121,336
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,522/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,380
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$130,311
−HK$3,994/mo
Today · 4.125%
HK$134,305
baseline
▲ 0.50% · 4.625%
HK$142,477
+HK$8,172/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,610/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,596
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,367
−HK$3,825/mo
Today · 4.125%
HK$148,192
baseline
▲ 0.50% · 4.625%
HK$156,004
+HK$7,812/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,384/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,612 · Scale 2, in force from 26 Feb 2026)