LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,253
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,438
−HK$2,220/mo
Today · 4.125%
HK$74,658
baseline
▲ 0.50% · 4.625%
HK$79,201
+HK$4,543/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,316/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,252
−HK$2,126/mo
Today · 4.125%
HK$82,378
baseline
▲ 0.50% · 4.625%
HK$86,720
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,756/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,304
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,926
−HK$2,664/mo
Today · 4.125%
HK$89,590
baseline
▲ 0.50% · 4.625%
HK$95,041
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$179,180/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,787
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,302
−HK$2,552/mo
Today · 4.125%
HK$98,854
baseline
▲ 0.50% · 4.625%
HK$104,065
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$197,708/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,354
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,413
−HK$3,109/mo
Today · 4.125%
HK$104,522
baseline
▲ 0.50% · 4.625%
HK$110,882
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,044/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,418
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,352
−HK$2,977/mo
Today · 4.125%
HK$115,329
baseline
▲ 0.50% · 4.625%
HK$121,409
+HK$6,080/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,658/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,455
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,389
−HK$3,996/mo
Today · 4.125%
HK$134,385
baseline
▲ 0.50% · 4.625%
HK$142,562
+HK$8,177/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,770/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,680
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$144,453
−HK$3,828/mo
Today · 4.125%
HK$148,281
baseline
▲ 0.50% · 4.625%
HK$156,097
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,562/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,393 · Scale 2, in force from 26 Feb 2026)