LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,286
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,472
−HK$2,221/mo
Today · 4.125%
HK$74,693
baseline
▲ 0.50% · 4.625%
HK$79,238
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,386/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,192
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,289
−HK$2,128/mo
Today · 4.125%
HK$82,417
baseline
▲ 0.50% · 4.625%
HK$86,761
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,834/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,343
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,966
−HK$2,666/mo
Today · 4.125%
HK$89,632
baseline
▲ 0.50% · 4.625%
HK$95,086
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,264/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,831
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,347
−HK$2,553/mo
Today · 4.125%
HK$98,900
baseline
▲ 0.50% · 4.625%
HK$104,113
+HK$5,213/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,800/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,400
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,461
−HK$3,109/mo
Today · 4.125%
HK$104,570
baseline
▲ 0.50% · 4.625%
HK$110,933
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,140/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,469
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,405
−HK$2,978/mo
Today · 4.125%
HK$115,383
baseline
▲ 0.50% · 4.625%
HK$121,465
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,766/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,514
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,450
−HK$3,998/mo
Today · 4.125%
HK$134,448
baseline
▲ 0.50% · 4.625%
HK$142,629
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,896/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,746
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,520
−HK$3,830/mo
Today · 4.125%
HK$148,350
baseline
▲ 0.50% · 4.625%
HK$156,170
+HK$7,820/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,700/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,003 · Scale 2, in force from 26 Feb 2026)