LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,238
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,423
−HK$2,220/mo
Today · 4.125%
HK$74,643
baseline
▲ 0.50% · 4.625%
HK$79,185
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,286/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,139
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,235
−HK$2,126/mo
Today · 4.125%
HK$82,361
baseline
▲ 0.50% · 4.625%
HK$86,702
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,722/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,286
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,908
−HK$2,663/mo
Today · 4.125%
HK$89,571
baseline
▲ 0.50% · 4.625%
HK$95,021
+HK$5,450/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,142/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,767
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,282
−HK$2,551/mo
Today · 4.125%
HK$98,833
baseline
▲ 0.50% · 4.625%
HK$104,043
+HK$5,210/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,666/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,333
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,392
−HK$3,108/mo
Today · 4.125%
HK$104,500
baseline
▲ 0.50% · 4.625%
HK$110,858
+HK$6,358/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$209,000/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,395
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,329
−HK$2,976/mo
Today · 4.125%
HK$115,305
baseline
▲ 0.50% · 4.625%
HK$121,383
+HK$6,078/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,610/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,429
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,361
−HK$3,996/mo
Today · 4.125%
HK$134,357
baseline
▲ 0.50% · 4.625%
HK$142,532
+HK$8,175/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,714/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,651
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,423
−HK$3,827/mo
Today · 4.125%
HK$148,250
baseline
▲ 0.50% · 4.625%
HK$156,064
+HK$7,814/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,500/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,118 · Scale 2, in force from 26 Feb 2026)