LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,303
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,490
−HK$2,222/mo
Today · 4.125%
HK$74,712
baseline
▲ 0.50% · 4.625%
HK$79,258
+HK$4,546/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,424/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,212
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,309
−HK$2,128/mo
Today · 4.125%
HK$82,437
baseline
▲ 0.50% · 4.625%
HK$86,782
+HK$4,345/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,874/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,364
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,988
−HK$2,666/mo
Today · 4.125%
HK$89,654
baseline
▲ 0.50% · 4.625%
HK$95,109
+HK$5,455/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,308/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,854
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,371
−HK$2,554/mo
Today · 4.125%
HK$98,925
baseline
▲ 0.50% · 4.625%
HK$104,139
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,850/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,424
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,486
−HK$3,111/mo
Today · 4.125%
HK$104,597
baseline
▲ 0.50% · 4.625%
HK$110,961
+HK$6,364/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,194/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,496
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,433
−HK$2,979/mo
Today · 4.125%
HK$115,412
baseline
▲ 0.50% · 4.625%
HK$121,495
+HK$6,083/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,824/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,546
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,482
−HK$3,999/mo
Today · 4.125%
HK$134,481
baseline
▲ 0.50% · 4.625%
HK$142,664
+HK$8,183/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,962/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,781
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,557
−HK$3,830/mo
Today · 4.125%
HK$148,387
baseline
▲ 0.50% · 4.625%
HK$156,208
+HK$7,821/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,774/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,329 · Scale 2, in force from 26 Feb 2026)