LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,299
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,486
−HK$2,222/mo
Today · 4.125%
HK$74,708
baseline
▲ 0.50% · 4.625%
HK$79,253
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,416/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,207
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,305
−HK$2,127/mo
Today · 4.125%
HK$82,432
baseline
▲ 0.50% · 4.625%
HK$86,777
+HK$4,345/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,864/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,359
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,983
−HK$2,666/mo
Today · 4.125%
HK$89,649
baseline
▲ 0.50% · 4.625%
HK$95,104
+HK$5,455/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,298/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,848
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,365
−HK$2,554/mo
Today · 4.125%
HK$98,919
baseline
▲ 0.50% · 4.625%
HK$104,133
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,838/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,419
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,480
−HK$3,111/mo
Today · 4.125%
HK$104,591
baseline
▲ 0.50% · 4.625%
HK$110,955
+HK$6,364/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,182/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,490
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,426
−HK$2,979/mo
Today · 4.125%
HK$115,405
baseline
▲ 0.50% · 4.625%
HK$121,488
+HK$6,083/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,810/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,538
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$130,474
−HK$4,000/mo
Today · 4.125%
HK$134,474
baseline
▲ 0.50% · 4.625%
HK$142,656
+HK$8,182/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,948/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,773
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,548
−HK$3,830/mo
Today · 4.125%
HK$148,378
baseline
▲ 0.50% · 4.625%
HK$156,199
+HK$7,821/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,756/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,254 · Scale 2, in force from 26 Feb 2026)