LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,287
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,474
−HK$2,221/mo
Today · 4.125%
HK$74,695
baseline
▲ 0.50% · 4.625%
HK$79,240
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,390/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,194
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,291
−HK$2,128/mo
Today · 4.125%
HK$82,419
baseline
▲ 0.50% · 4.625%
HK$86,763
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,838/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,345
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,969
−HK$2,665/mo
Today · 4.125%
HK$89,634
baseline
▲ 0.50% · 4.625%
HK$95,088
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,268/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,833
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,349
−HK$2,553/mo
Today · 4.125%
HK$98,902
baseline
▲ 0.50% · 4.625%
HK$104,116
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,804/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,402
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,463
−HK$3,110/mo
Today · 4.125%
HK$104,573
baseline
▲ 0.50% · 4.625%
HK$110,936
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,146/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,472
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,408
−HK$2,978/mo
Today · 4.125%
HK$115,386
baseline
▲ 0.50% · 4.625%
HK$121,468
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,772/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,517
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,453
−HK$3,998/mo
Today · 4.125%
HK$134,451
baseline
▲ 0.50% · 4.625%
HK$142,632
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,902/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,749
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,524
−HK$3,830/mo
Today · 4.125%
HK$148,354
baseline
▲ 0.50% · 4.625%
HK$156,174
+HK$7,820/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,708/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,036 · Scale 2, in force from 26 Feb 2026)