LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,301
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,488
−HK$2,221/mo
Today · 4.125%
HK$74,709
baseline
▲ 0.50% · 4.625%
HK$79,255
+HK$4,546/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,418/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,209
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,307
−HK$2,128/mo
Today · 4.125%
HK$82,435
baseline
▲ 0.50% · 4.625%
HK$86,780
+HK$4,345/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,870/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,361
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,985
−HK$2,666/mo
Today · 4.125%
HK$89,651
baseline
▲ 0.50% · 4.625%
HK$95,106
+HK$5,455/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,302/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,851
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,368
−HK$2,553/mo
Today · 4.125%
HK$98,921
baseline
▲ 0.50% · 4.625%
HK$104,136
+HK$5,215/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,842/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,421
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,483
−HK$3,110/mo
Today · 4.125%
HK$104,593
baseline
▲ 0.50% · 4.625%
HK$110,957
+HK$6,364/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,186/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,493
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,429
−HK$2,979/mo
Today · 4.125%
HK$115,408
baseline
▲ 0.50% · 4.625%
HK$121,492
+HK$6,084/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,816/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,542
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,478
−HK$3,999/mo
Today · 4.125%
HK$134,477
baseline
▲ 0.50% · 4.625%
HK$142,660
+HK$8,183/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,954/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,776
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,552
−HK$3,830/mo
Today · 4.125%
HK$148,382
baseline
▲ 0.50% · 4.625%
HK$156,204
+HK$7,822/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,764/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,288 · Scale 2, in force from 26 Feb 2026)