LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,274
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,460
−HK$2,220/mo
Today · 4.125%
HK$74,680
baseline
▲ 0.50% · 4.625%
HK$79,225
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,360/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,179
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,276
−HK$2,127/mo
Today · 4.125%
HK$82,403
baseline
▲ 0.50% · 4.625%
HK$86,746
+HK$4,343/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,806/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,328
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,952
−HK$2,665/mo
Today · 4.125%
HK$89,617
baseline
▲ 0.50% · 4.625%
HK$95,070
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,234/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,815
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,331
−HK$2,552/mo
Today · 4.125%
HK$98,883
baseline
▲ 0.50% · 4.625%
HK$104,095
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,766/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,383
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,443
−HK$3,110/mo
Today · 4.125%
HK$104,553
baseline
▲ 0.50% · 4.625%
HK$110,914
+HK$6,361/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$209,106/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,450
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,386
−HK$2,978/mo
Today · 4.125%
HK$115,364
baseline
▲ 0.50% · 4.625%
HK$121,445
+HK$6,081/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$230,728/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,493
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,427
−HK$3,998/mo
Today · 4.125%
HK$134,425
baseline
▲ 0.50% · 4.625%
HK$142,604
+HK$8,179/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,850/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,722
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,496
−HK$3,829/mo
Today · 4.125%
HK$148,325
baseline
▲ 0.50% · 4.625%
HK$156,143
+HK$7,818/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,650/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,780 · Scale 2, in force from 26 Feb 2026)