LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,218
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,402
−HK$2,219/mo
Today · 4.125%
HK$74,621
baseline
▲ 0.50% · 4.625%
HK$79,162
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,242/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,117
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,212
−HK$2,125/mo
Today · 4.125%
HK$82,337
baseline
▲ 0.50% · 4.625%
HK$86,678
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,674/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,262
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,883
−HK$2,663/mo
Today · 4.125%
HK$89,546
baseline
▲ 0.50% · 4.625%
HK$94,994
+HK$5,448/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,092/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,740
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,254
−HK$2,551/mo
Today · 4.125%
HK$98,805
baseline
▲ 0.50% · 4.625%
HK$104,013
+HK$5,208/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,610/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,305
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,363
−HK$3,107/mo
Today · 4.125%
HK$104,470
baseline
▲ 0.50% · 4.625%
HK$110,827
+HK$6,357/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,940/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,364
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,297
−HK$2,975/mo
Today · 4.125%
HK$115,272
baseline
▲ 0.50% · 4.625%
HK$121,349
+HK$6,077/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,544/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,393
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,324
−HK$3,995/mo
Today · 4.125%
HK$134,319
baseline
▲ 0.50% · 4.625%
HK$142,492
+HK$8,173/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,638/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,611
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,382
−HK$3,825/mo
Today · 4.125%
HK$148,207
baseline
▲ 0.50% · 4.625%
HK$156,020
+HK$7,813/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,414/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,744 · Scale 2, in force from 26 Feb 2026)