LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,313
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,501
−HK$2,222/mo
Today · 4.125%
HK$74,723
baseline
▲ 0.50% · 4.625%
HK$79,269
+HK$4,546/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,446/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,223
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,321
−HK$2,128/mo
Today · 4.125%
HK$82,449
baseline
▲ 0.50% · 4.625%
HK$86,795
+HK$4,346/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,898/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,376
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,001
−HK$2,666/mo
Today · 4.125%
HK$89,667
baseline
▲ 0.50% · 4.625%
HK$95,123
+HK$5,456/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,334/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,868
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,385
−HK$2,554/mo
Today · 4.125%
HK$98,939
baseline
▲ 0.50% · 4.625%
HK$104,154
+HK$5,215/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,878/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,439
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,501
−HK$3,111/mo
Today · 4.125%
HK$104,612
baseline
▲ 0.50% · 4.625%
HK$110,977
+HK$6,365/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,224/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,512
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,449
−HK$2,980/mo
Today · 4.125%
HK$115,429
baseline
▲ 0.50% · 4.625%
HK$121,513
+HK$6,084/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,858/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,564
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,501
−HK$4,000/mo
Today · 4.125%
HK$134,501
baseline
▲ 0.50% · 4.625%
HK$142,685
+HK$8,184/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$269,002/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,801
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$144,578
−HK$3,830/mo
Today · 4.125%
HK$148,408
baseline
▲ 0.50% · 4.625%
HK$156,231
+HK$7,823/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,816/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,520 · Scale 2, in force from 26 Feb 2026)