LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,291
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,477
−HK$2,222/mo
Today · 4.125%
HK$74,699
baseline
▲ 0.50% · 4.625%
HK$79,244
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,398/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,198
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,295
−HK$2,128/mo
Today · 4.125%
HK$82,423
baseline
▲ 0.50% · 4.625%
HK$86,767
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,846/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,349
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,973
−HK$2,666/mo
Today · 4.125%
HK$89,639
baseline
▲ 0.50% · 4.625%
HK$95,093
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,278/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,838
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,354
−HK$2,553/mo
Today · 4.125%
HK$98,907
baseline
▲ 0.50% · 4.625%
HK$104,121
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,814/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,407
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,468
−HK$3,110/mo
Today · 4.125%
HK$104,578
baseline
▲ 0.50% · 4.625%
HK$110,942
+HK$6,364/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,156/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,477
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,413
−HK$2,979/mo
Today · 4.125%
HK$115,392
baseline
▲ 0.50% · 4.625%
HK$121,474
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,784/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,524
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,459
−HK$3,999/mo
Today · 4.125%
HK$134,458
baseline
▲ 0.50% · 4.625%
HK$142,639
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,916/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,756
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,531
−HK$3,830/mo
Today · 4.125%
HK$148,361
baseline
▲ 0.50% · 4.625%
HK$156,181
+HK$7,820/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,722/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,101 · Scale 2, in force from 26 Feb 2026)