LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,309
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,496
−HK$2,222/mo
Today · 4.125%
HK$74,718
baseline
▲ 0.50% · 4.625%
HK$79,265
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,436/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,219
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,316
−HK$2,128/mo
Today · 4.125%
HK$82,444
baseline
▲ 0.50% · 4.625%
HK$86,790
+HK$4,346/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,888/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,371
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,996
−HK$2,666/mo
Today · 4.125%
HK$89,662
baseline
▲ 0.50% · 4.625%
HK$95,118
+HK$5,456/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,324/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,862
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,380
−HK$2,553/mo
Today · 4.125%
HK$98,933
baseline
▲ 0.50% · 4.625%
HK$104,148
+HK$5,215/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,866/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,433
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,495
−HK$3,111/mo
Today · 4.125%
HK$104,606
baseline
▲ 0.50% · 4.625%
HK$110,971
+HK$6,365/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,212/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,506
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,443
−HK$2,979/mo
Today · 4.125%
HK$115,422
baseline
▲ 0.50% · 4.625%
HK$121,506
+HK$6,084/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,844/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,557
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$130,494
−HK$3,999/mo
Today · 4.125%
HK$134,493
baseline
▲ 0.50% · 4.625%
HK$142,677
+HK$8,184/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,986/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,793
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$144,569
−HK$3,831/mo
Today · 4.125%
HK$148,400
baseline
▲ 0.50% · 4.625%
HK$156,222
+HK$7,822/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,800/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,446 · Scale 2, in force from 26 Feb 2026)