LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,284
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,470
−HK$2,222/mo
Today · 4.125%
HK$74,692
baseline
▲ 0.50% · 4.625%
HK$79,236
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,384/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,190
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,288
−HK$2,127/mo
Today · 4.125%
HK$82,415
baseline
▲ 0.50% · 4.625%
HK$86,759
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,830/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,341
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,965
−HK$2,665/mo
Today · 4.125%
HK$89,630
baseline
▲ 0.50% · 4.625%
HK$95,084
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,260/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,829
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,345
−HK$2,553/mo
Today · 4.125%
HK$98,898
baseline
▲ 0.50% · 4.625%
HK$104,111
+HK$5,213/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,796/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,398
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,459
−HK$3,109/mo
Today · 4.125%
HK$104,568
baseline
▲ 0.50% · 4.625%
HK$110,931
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,136/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,467
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,403
−HK$2,978/mo
Today · 4.125%
HK$115,381
baseline
▲ 0.50% · 4.625%
HK$121,463
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,762/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,512
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,447
−HK$3,998/mo
Today · 4.125%
HK$134,445
baseline
▲ 0.50% · 4.625%
HK$142,626
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,890/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,743
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,518
−HK$3,829/mo
Today · 4.125%
HK$148,347
baseline
▲ 0.50% · 4.625%
HK$156,166
+HK$7,819/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,694/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,976 · Scale 2, in force from 26 Feb 2026)