LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,280
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,466
−HK$2,221/mo
Today · 4.125%
HK$74,687
baseline
▲ 0.50% · 4.625%
HK$79,232
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,374/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,186
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,283
−HK$2,127/mo
Today · 4.125%
HK$82,410
baseline
▲ 0.50% · 4.625%
HK$86,754
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,820/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,336
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,959
−HK$2,666/mo
Today · 4.125%
HK$89,625
baseline
▲ 0.50% · 4.625%
HK$95,078
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,250/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,823
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,339
−HK$2,553/mo
Today · 4.125%
HK$98,892
baseline
▲ 0.50% · 4.625%
HK$104,105
+HK$5,213/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,784/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,392
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,453
−HK$3,109/mo
Today · 4.125%
HK$104,562
baseline
▲ 0.50% · 4.625%
HK$110,925
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$209,124/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,460
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,396
−HK$2,978/mo
Today · 4.125%
HK$115,374
baseline
▲ 0.50% · 4.625%
HK$121,456
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$230,748/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,504
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,439
−HK$3,998/mo
Today · 4.125%
HK$134,437
baseline
▲ 0.50% · 4.625%
HK$142,617
+HK$8,180/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,874/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,735
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,509
−HK$3,829/mo
Today · 4.125%
HK$148,338
baseline
▲ 0.50% · 4.625%
HK$156,157
+HK$7,819/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,676/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,899 · Scale 2, in force from 26 Feb 2026)