LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,212
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,396
−HK$2,219/mo
Today · 4.125%
HK$74,615
baseline
▲ 0.50% · 4.625%
HK$79,155
+HK$4,540/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,230/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,110
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,205
−HK$2,125/mo
Today · 4.125%
HK$82,330
baseline
▲ 0.50% · 4.625%
HK$86,670
+HK$4,340/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,660/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,255
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,875
−HK$2,663/mo
Today · 4.125%
HK$89,538
baseline
▲ 0.50% · 4.625%
HK$94,986
+HK$5,448/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$179,076/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,733
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,246
−HK$2,551/mo
Today · 4.125%
HK$98,797
baseline
▲ 0.50% · 4.625%
HK$104,004
+HK$5,207/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$197,594/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,297
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,355
−HK$3,106/mo
Today · 4.125%
HK$104,461
baseline
▲ 0.50% · 4.625%
HK$110,817
+HK$6,356/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,922/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,355
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,287
−HK$2,976/mo
Today · 4.125%
HK$115,263
baseline
▲ 0.50% · 4.625%
HK$121,338
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,526/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,382
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$130,313
−HK$3,994/mo
Today · 4.125%
HK$134,307
baseline
▲ 0.50% · 4.625%
HK$142,480
+HK$8,173/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,614/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,599
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,370
−HK$3,825/mo
Today · 4.125%
HK$148,195
baseline
▲ 0.50% · 4.625%
HK$156,006
+HK$7,811/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,390/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,634 · Scale 2, in force from 26 Feb 2026)