LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,250
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,436
−HK$2,220/mo
Today · 4.125%
HK$74,656
baseline
▲ 0.50% · 4.625%
HK$79,198
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,312/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,153
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,249
−HK$2,126/mo
Today · 4.125%
HK$82,375
baseline
▲ 0.50% · 4.625%
HK$86,717
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,750/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,301
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,923
−HK$2,664/mo
Today · 4.125%
HK$89,587
baseline
▲ 0.50% · 4.625%
HK$95,038
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,174/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,784
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,299
−HK$2,551/mo
Today · 4.125%
HK$98,850
baseline
▲ 0.50% · 4.625%
HK$104,061
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,700/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,351
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,410
−HK$3,108/mo
Today · 4.125%
HK$104,518
baseline
▲ 0.50% · 4.625%
HK$110,878
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,036/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,414
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,349
−HK$2,976/mo
Today · 4.125%
HK$115,325
baseline
▲ 0.50% · 4.625%
HK$121,404
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,650/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,451
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,384
−HK$3,996/mo
Today · 4.125%
HK$134,380
baseline
▲ 0.50% · 4.625%
HK$142,557
+HK$8,177/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,760/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,675
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$144,448
−HK$3,828/mo
Today · 4.125%
HK$148,276
baseline
▲ 0.50% · 4.625%
HK$156,091
+HK$7,815/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,552/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,346 · Scale 2, in force from 26 Feb 2026)