LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,230
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,414
−HK$2,220/mo
Today · 4.125%
HK$74,634
baseline
▲ 0.50% · 4.625%
HK$79,175
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,268/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,130
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,225
−HK$2,126/mo
Today · 4.125%
HK$82,351
baseline
▲ 0.50% · 4.625%
HK$86,692
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,702/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,276
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,897
−HK$2,664/mo
Today · 4.125%
HK$89,561
baseline
▲ 0.50% · 4.625%
HK$95,010
+HK$5,449/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,122/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,756
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,271
−HK$2,550/mo
Today · 4.125%
HK$98,821
baseline
▲ 0.50% · 4.625%
HK$104,030
+HK$5,209/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,642/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,322
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,380
−HK$3,108/mo
Today · 4.125%
HK$104,488
baseline
▲ 0.50% · 4.625%
HK$110,845
+HK$6,357/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,976/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,382
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,316
−HK$2,976/mo
Today · 4.125%
HK$115,292
baseline
▲ 0.50% · 4.625%
HK$121,369
+HK$6,077/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,584/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,414
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,346
−HK$3,995/mo
Today · 4.125%
HK$134,341
baseline
▲ 0.50% · 4.625%
HK$142,515
+HK$8,174/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,682/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,634
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,406
−HK$3,826/mo
Today · 4.125%
HK$148,232
baseline
▲ 0.50% · 4.625%
HK$156,046
+HK$7,814/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,464/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,963 · Scale 2, in force from 26 Feb 2026)