LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,227
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,411
−HK$2,219/mo
Today · 4.125%
HK$74,630
baseline
▲ 0.50% · 4.625%
HK$79,171
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,260/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,126
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,222
−HK$2,125/mo
Today · 4.125%
HK$82,347
baseline
▲ 0.50% · 4.625%
HK$86,688
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,694/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,272
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,893
−HK$2,663/mo
Today · 4.125%
HK$89,556
baseline
▲ 0.50% · 4.625%
HK$95,006
+HK$5,450/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,112/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,752
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,266
−HK$2,551/mo
Today · 4.125%
HK$98,817
baseline
▲ 0.50% · 4.625%
HK$104,025
+HK$5,208/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,634/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,317
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,375
−HK$3,108/mo
Today · 4.125%
HK$104,483
baseline
▲ 0.50% · 4.625%
HK$110,840
+HK$6,357/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,966/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,377
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,310
−HK$2,976/mo
Today · 4.125%
HK$115,286
baseline
▲ 0.50% · 4.625%
HK$121,363
+HK$6,077/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,572/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,408
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,340
−HK$3,995/mo
Today · 4.125%
HK$134,335
baseline
▲ 0.50% · 4.625%
HK$142,509
+HK$8,174/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,670/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,627
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,399
−HK$3,826/mo
Today · 4.125%
HK$148,225
baseline
▲ 0.50% · 4.625%
HK$156,038
+HK$7,813/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,450/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,901 · Scale 2, in force from 26 Feb 2026)