LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,244
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,429
−HK$2,220/mo
Today · 4.125%
HK$74,649
baseline
▲ 0.50% · 4.625%
HK$79,191
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,298/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,146
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,242
−HK$2,126/mo
Today · 4.125%
HK$82,368
baseline
▲ 0.50% · 4.625%
HK$86,710
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,736/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,293
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,915
−HK$2,664/mo
Today · 4.125%
HK$89,579
baseline
▲ 0.50% · 4.625%
HK$95,030
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,158/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,775
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,290
−HK$2,551/mo
Today · 4.125%
HK$98,841
baseline
▲ 0.50% · 4.625%
HK$104,052
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,682/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,342
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,401
−HK$3,108/mo
Today · 4.125%
HK$104,509
baseline
▲ 0.50% · 4.625%
HK$110,868
+HK$6,359/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$209,018/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,404
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,338
−HK$2,977/mo
Today · 4.125%
HK$115,315
baseline
▲ 0.50% · 4.625%
HK$121,393
+HK$6,078/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,630/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,439
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,372
−HK$3,996/mo
Today · 4.125%
HK$134,368
baseline
▲ 0.50% · 4.625%
HK$142,544
+HK$8,176/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,736/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,663
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,435
−HK$3,827/mo
Today · 4.125%
HK$148,262
baseline
▲ 0.50% · 4.625%
HK$156,077
+HK$7,815/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,524/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,229 · Scale 2, in force from 26 Feb 2026)