LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,229
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,414
−HK$2,219/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,129
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,225
−HK$2,125/mo
Today · 4.125%
HK$82,350
baseline
▲ 0.50% · 4.625%
HK$86,691
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,700/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,275
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,896
−HK$2,664/mo
Today · 4.125%
HK$89,560
baseline
▲ 0.50% · 4.625%
HK$95,009
+HK$5,449/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,120/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,755
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,269
−HK$2,551/mo
Today · 4.125%
HK$98,820
baseline
▲ 0.50% · 4.625%
HK$104,029
+HK$5,209/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,640/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,321
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,379
−HK$3,107/mo
Today · 4.125%
HK$104,486
baseline
▲ 0.50% · 4.625%
HK$110,844
+HK$6,358/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,972/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,381
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,314
−HK$2,976/mo
Today · 4.125%
HK$115,290
baseline
▲ 0.50% · 4.625%
HK$121,367
+HK$6,077/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,580/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,412
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,344
−HK$3,995/mo
Today · 4.125%
HK$134,339
baseline
▲ 0.50% · 4.625%
HK$142,514
+HK$8,175/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,678/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,632
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,404
−HK$3,826/mo
Today · 4.125%
HK$148,230
baseline
▲ 0.50% · 4.625%
HK$156,044
+HK$7,814/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,460/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,948 · Scale 2, in force from 26 Feb 2026)